Agc Flat Glass North America, Inc, DBA Agc Automotive Americas Co. 401(k) Review & Grade
Agc Automotive Americas Co. 401(k) Retirement Plan.
Alpharetta, GAManufacturing1,582 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,727Employer $ per active participant
$4,183Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$173.4MNet plan assets, end of year
$92,190Average balance per account
Score breakdown
- Employer generosity18.0 / 5036th percentile for employer $ per participant
- Low cost19.5 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 78th |
| Employee saving | 39th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Agc Flat Glass North America, Inc, DBA Agc Automotive Americas put in about $1,727 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $2,732,356 |
| Participant (employee) contributions | $6,616,862 |
| Other contributions (incl. rollovers in) | $1,026,209 |
| Administrative expenses paid from the plan | $143,191 |
| Investment advisory & management fees | $22,034 |
| Benefits paid out | $25,589,025 |
| Net assets, start / end of year | $167.1M / $173.4M |
| Active participants, start / end of year | 1,520 / 1,644 |
| Participants with account balances | 1,881 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lbmc, PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $109,357 reported compensation |
| Strategic Advisors, Inc. | $22,034 reported compensation |
| Lbmc, PC | $11,800 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009085848NAL0003437763001, received 2025-10-09, EIN 25-1059306, plan #333, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.