The American Society for the Prevention of Cruelty to Animals 401(k) Review & Grade
Aspca 401(k) Retirement Plan
New York, NYProfessional, Scientific & Technical Services1,170 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,069Employer $ per active participant
$5,514Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$161.5MNet plan assets, end of year
$105,169Average balance per account
Score breakdown
- Employer generosity39.8 / 5080th percentile for employer $ per participant
- Low cost23.3 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 93th |
| Employee saving | 27th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- American Society for the Prevention of Cruelty to Animals put in about $6,069 per active participant, more than the typical peer ($3,082). 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 | $7,097,400 |
| Participant (employee) contributions | $6,448,195 |
| Other contributions (incl. rollovers in) | $747,335 |
| Administrative expenses paid from the plan | $41,800 |
| Investment advisory & management fees | $23,946 |
| Benefits paid out | $6,315,953 |
| Net assets, start / end of year | $132.5M / $161.5M |
| Active participants, start / end of year | 1,148 / 1,191 |
| Participants with account balances | 1,536 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Alerus Financial, N.A. | $41,800 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003162938NAL0002613344001, received 2025-10-03, EIN 13-1623829, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.