ZBS Pet Care DBA Alliance Animal 401(k) Review & Grade
Alliance Animal Health 401(k) Plan
Rye Brook, NYProfessional, Scientific & Technical Services2,269 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,444Employer $ per active participant
$2,968Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$42.8MNet plan assets, end of year
$33,527Average balance per account
Score breakdown
- Employer generosity12.8 / 5026th percentile for employer $ per participant
- Low cost7.0 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 28th |
| Employee saving | 15th |
| 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
- ZBS Pet Care DBA Alliance Animal put in about $1,444 per active participant, below the typical peer ($3,082). 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.
- Direct plan expenses (0.43% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $3,276,228 |
| Participant (employee) contributions | $6,733,547 |
| Other contributions (incl. rollovers in) | $3,437,062 |
| Administrative expenses paid from the plan | $153,180 |
| Investment advisory & management fees | $138,450 |
| Benefits paid out | $3,636,377 |
| Net assets, start / end of year | $28.7M / $42.8M |
| Active participants, start / end of year | 2,171 / 2,367 |
| Participants with account balances | 1,277 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ballenthin Funk & Johnson LLP |
Largest service providers (Schedule C)
| Faircourt Partners, LLC | $138,450 reported compensation |
| Adp, Inc. | $14,730 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014054548NAL0003204480001, received 2025-10-14, EIN 30-0964261, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.