Anderson Center for Autism 401(k) Review & Grade
Anderson Center for Autism Retirement Plan
Staatsburg, NYEducational Services772 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,694Employer $ per active participant
$1,724Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$58.9MNet plan assets, end of year
$56,805Average balance per account
Score breakdown
- Employer generosity47.9 / 5096th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 56th |
| Employee saving | 26th |
| Peers that auto-enroll | 37% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $38,055 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Anderson Center for Autism put in about $5,694 per active participant, more than the typical peer ($1,225). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- 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 | $4,392,787 |
| Participant (employee) contributions | $1,330,023 |
| Other contributions (incl. rollovers in) | $428,373 |
| Administrative expenses paid from the plan | $103,254 |
| Other admin expenses | $103,230 |
| Benefits paid out | $3,769,561 |
| Net assets, start / end of year | $50.9M / $58.9M |
| Active participants, start / end of year | 757 / 786 |
| Participants with account balances | 1,037 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RBT Cpa's LLC |
Largest service providers (Schedule C)
| Wilmington Trust National Assoc | $19,056 reported compensation |
| Proaccount | $8,217 reported compensation |
| Rimkus, Marciano & Assoc. | $6,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250728135709NAL0002144337001, received 2025-07-28, EIN 14-1598279, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.