Plan Ledger DOL Form 5500 · updated monthly

A.C.S. & Sons, Inc.401(k)

A.C.S. & SONS, INC. PROFIT SHARING 401(K) PLAN · WOODBURY HEIGHTS, NJ · plan year 2024

Reported admin expense ratio · 2024
0.46%

Peer grade: C+ · admin costs + employer contributions vs same-size plans · how grading works

A.C.S. & Sons, Inc. reported $87,956 in plan administrative expenses for 2024: 0.46% of average plan assets, higher than ~75% of peers. Employer contributions averaged $3,086 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio rose from 0.44% to 0.46%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other construction employers. By assets it is the 1,059th-largest of 2,419 plans among New Jersey employers on file, and the 1,974th of 5,337 in construction. In 2024, employees put in $1.07 for every $1.00 the employer contributed; active participation has grown from 211 to 242 since 2022.

Plan summary
Net assets, end of year$20,755,421
Participants with balances273
Active participants242
Employer contributions$746,794
Employee contributions$800,328
Employer contribution per active participant$3,086
Average account balance$76,027
Benefits paid to participants$1,524,472
Plan auditUnmodified (clean) audit opinion
AuditorINSERO & CO. CPAS, LLC
Plan history3
Yearassets · accounts · employer contribution
2024$20.8M · 273 accts · $747K emplr
2023$17.4M · 324 accts · $751K emplr
2022$13.5M · 292 accts · $573K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$15,122
Audit (IQPA)$16,480
Trustee / custodial$56,354
Total administrative$87,956
The A.C.S. & Sons, Inc. 401(k) match · 2024
Employer contribution per active participant$3,086
Median for plans this size$2,416
2024$3,086 per active participant
2023$3,265 per active participant
2022$2,716 per active participant

A.C.S. & Sons, Inc.'s 2024 employer contribution ran above the $2,416 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
FULTON FINANCIAL ADVISORS · Recordkeeping · Consulting$87,696
INSERO & CO., CPAS, LLP · Accounting / audit$16,480

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024FULTON FINANCIAL ADVISORS
2023FULTON FINANCIAL ADVISORS

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$87,956 · 0.46%
2023$75,831 · 0.49%
2022$68,247 · 0.44%
Similar plansConstruction · New Jersey
Earle Companies NJ$22.5M · 0.53%
Currie & Brown, Inc. NJ$20.7M · 0.28%
Cca Construction, Inc. NJ$17.7M · 0.19%
Crisdel Group, Inc. NJ$16.6M · 1.26%

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Source: U.S. Department of Labor, Form 5500 series, EIN 223217369 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.