Retirement plan

AC&T COMPANY, INC. 401(K) PROFIT SHARING PLAN

Name: AC&T COMPANY, INC. - AC&T COMPANY, INC. 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: AC&T COMPANY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, AC&T COMPANY, INC. 401(K) PROFIT SHARING PLAN, AC&T COMPANY, INC.

AC&T COMPANY, INC.EIN 52-0715156Plan #002PY 2025

11535 HOPEWELL ROAD - HAGERSTOWN, MD 21740301-582-2700

Prospect flagsHigh feesLow participation

How to read this page

Total assets (EOY)

$23.7M

+9.4% from 2024

Total participants

593

-4.8% from 2024

Average account balance

$56,178

-3.0% from 2024

Annual return

11.20%

-1.76 pp from 2024

Benchmarks

See 1,292 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants250-999

Cohort1,292 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$23.71M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$56K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

422

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

67.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.49M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+11.20%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$341

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 6 by compensation

Provider	Service type	Compensation
VOYA RETIREMENT INSURANCE & ANNUITY7 years Service code 26 · EIN 71-0294708	Advisory (Participants)	$114,009
CBIZ RETIREMENT PLAN SERVICES6 years Filed as: CBIZ INVESTMENT ADVISORY SERVICES Service code 99	Other Fees	$32,562
SMITH ELLIOTT KEARNS & COMPANY LLC1 year Filed as: SMITH ELLIOTT KEARNS & COMPANY, LLC Service code 99 · EIN 52-0783935	Other Fees	$17,500
CBIZ RETIREMENT PLAN SERVICES1 year Filed as: CBIZ BENEFITS & INSURANCE SERVICES Service code 49 4615 SOUTHWEST FWY FL3 · HOUTSON, TX 77027	Other Services	$12,174
CBIZ RETIREMENT PLAN SERVICES8 years Filed as: CBIZ BENEFITS AND INSURANCE SERVICE Service code 49	Other Services	$8,432
CBIZ RETIREMENT PLAN SERVICES1 year Filed as: CBIZ INVESTMENT ADVISORY SERVICES, Service code 26 · EIN 81-3968784	Advisory (Participants)	$9

Plan features & details

Pension benefit codes2E2J2K2F2G3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$144K

$276 / participant

Investment mgmt$6K3.9%
Contract admin$119K83.0%
Other / not subdivided$19K13.2%

% of EOY assets

0.606%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: SMITH ELLIOTT KEARNS & COMPANY, LLC
Auditor EIN: 520783935
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$56,178

$69,255-18.9%

$133,346-57.9%

$69,255-18.9%

Participation rate

67.2%

69.0%-1.9pp

72.8%-5.7pp

69.0%-1.9pp

Annual return

11.20%

26.73%-15.5pp

36.85%-25.7pp

26.73%-15.5pp

Employer contribution / active EE

$1,386

$2,645-47.6%

$2,853-51.4%

$2,645-47.6%

Participant deferral / active EE

$1,480

$2,890-48.8%

$4,332-65.8%

$2,890-48.8%

Admin fee / account holder

$341

$733-53.5%

$14,264-97.6%

$733-53.5%

Provider

Service type

Compensation

VOYA RETIREMENT INSURANCE & ANNUITY7 years

Service code 26 · EIN 71-0294708

Advisory (Participants)

$114,009

CBIZ RETIREMENT PLAN SERVICES6 years

Filed as: CBIZ INVESTMENT ADVISORY SERVICES

Service code 99

Other Fees

$32,562

SMITH ELLIOTT KEARNS & COMPANY LLC1 year

Filed as: SMITH ELLIOTT KEARNS & COMPANY, LLC

Service code 99 · EIN 52-0783935

Other Fees

$17,500

CBIZ RETIREMENT PLAN SERVICES1 year

Filed as: CBIZ BENEFITS & INSURANCE SERVICES

Service code 49

4615 SOUTHWEST FWY FL3 · HOUTSON, TX 77027

Other Services

$12,174

CBIZ RETIREMENT PLAN SERVICES8 years

Filed as: CBIZ BENEFITS AND INSURANCE SERVICE

Service code 49

Other Services

$8,432

CBIZ RETIREMENT PLAN SERVICES1 year

Filed as: CBIZ INVESTMENT ADVISORY SERVICES,

Service code 26 · EIN 81-3968784

Advisory (Participants)

AC&T COMPANY, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

AC&T COMPANY, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion