Plan Snapshot
- Plan Sponsor: Auto Club Insurance Association
- Sponsor EIN: 380477270
- Sponsor Address: 1 AUTO CLUB DRIVE, DEARBORN, MI, 48126
- Plan Type: 401(k)
- Total Participants: 9,787
- Total Assets: $1.2B
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 9,787 | $1.2B | $40.8M | $58.2M |
| 2023 | 9,305 | $1.1B | $41.3M | $56.1M |
| 2022 | 9,943 | $975.4M | $39.1M | $52.0M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | RECORDKEEPER | $325,166 | — | $325,166 |
| VANGUARD GROUP | RECORDKEEPER | $268,933 | — | $268,933 |
| FINANCIAL ENGINES | ADVISOR | $172,194 | — | $172,194 |
| VANGUARD ADVISERS, INC. | INV-ADV | $116,657 | — | $116,657 |
| GJC CPA'S & ADVISORS | ACCOUNTING | $22,250 | — | $22,250 |
| NEPC, LLC | TRUSTECO | $19,500 | — | $19,500 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- FIDELITY INVESTMENTS INSTITUTIONAL — RECORDKEEPER
- VANGUARD ADVISERS, INC. — INV-ADV
- GJC CPA'S & ADVISORS — ACCOUNTING
- NEPC, LLC — TRUSTECO
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $924,700
- Estimated Expense Ratio: 0.078% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $905,050 | — | — | — | — |
| 2023 | $1,324,842 | — | — | — | — |
| 2022 | $1,251,336 | — | — | — | — |