Aaa Club Alliance Inc. 401(k) Review & Grade
Aaa Club Alliance Inc. 401(k) Retirement Savings Plan
Wilmington, DEFinance & Insurance5,260 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,407Employer $ per active participant
$4,470Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$562.4MNet plan assets, end of year
$76,903Average balance per account
Score breakdown
- Employer generosity17.4 / 5035th percentile for employer $ per participant
- Low cost10.4 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving0.8 / 156th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 42th |
| Employee saving | 6th |
| Peers that auto-enroll | 66% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,060 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Aaa Club Alliance put in about $3,407 per active participant, below the typical peer ($4,489). 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 | $17,921,963 |
| Participant (employee) contributions | $23,514,718 |
| Other contributions (incl. rollovers in) | $1,910,405 |
| Administrative expenses paid from the plan | $851,671 |
| Investment advisory & management fees | $264,472 |
| Other admin expenses | $102,557 |
| Benefits paid out | $52,754,411 |
| Net assets, start / end of year | $511.2M / $562.4M |
| Active participants, start / end of year | 5,073 / 5,447 |
| Participants with account balances | 7,313 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Torrillo & Associates LLC |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $484,642 reported compensation |
| Vanguard Advisers Inc. | $264,472 reported compensation |
| Ubs Financial Services | $102,557 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013180125NAL0002530464001, received 2025-10-13, EIN 23-0758010, plan #008, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.