The Association of International Certified Professional Accountants 401(k) Review & Grade
The Association of International Certified Professional Accountants 401(k) Retirement Plan
Durham, NCOther Services744 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,476Employer $ per active participant
$12,155Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$269.2MNet plan assets, end of year
$251,153Average balance per account
Score breakdown
- Employer generosity45.6 / 5091th percentile for employer $ per participant
- Low cost22.7 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score93 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 91th |
| Employee saving | 98th |
| Peers that auto-enroll | 40% |
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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
- Association of International Certified Professional Accountants put in about $5,476 per active participant, more than the typical peer ($1,257). 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.
- 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 | $4,071,216 |
| Participant (employee) contributions | $9,036,988 |
| Other contributions (incl. rollovers in) | $2,002,396 |
| Administrative expenses paid from the plan | $98,382 |
| Benefits paid out | $24,981,707 |
| Net assets, start / end of year | $245.3M / $269.2M |
| Active participants, start / end of year | 763 / 724 |
| Participants with account balances | 1,072 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $98,231 reported compensation |
| Wealthstream Advisors Inc | $29,883 reported compensation |
| Charles Schwab & Co., Inc. | $2,370 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251027120127NAL0005367667001, received 2025-10-27, EIN 36-4847532, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.