# Garden State Consumer Credit Counseling, INC. 401(k) Plan
Source: https://planprovider.pro/companies/garden-state-consumer-credit-counseling-inc-401k-plan-002

> Garden State Consumer Credit Counseling, INC.'s 401(k) plan: 140 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Garden State Consumer Credit Counseling, INC.

- **Sponsor EIN:** 223120920

- **Sponsor Address:** 200 US HIGHWAY 9 NORTH, MANALAPAN, NJ, 07726

- **Plan Type:** 401(k)

- **Total Participants:** 140

- **Total Assets:** $7.7M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** Yes

- **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|140|$7.7M|$0|$417,562|

| 2023|134|$3.6M|$0|$340,245|

| 2022|119|$2.9M|$0|$280,537|

## 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|

| AMERICAN UNITED LIFE INSURANCE CO|NONE|$2,114|$26,031|$28,145|

| TOPEL & SILVER CPAS|Auditor|—|—|$0|

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $28,145

- **Estimated Expense Ratio:** 0.364% 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|$1,591|—|$1,591|—|—|

| 2023|$5,094|—|$5,094|—|—|

| 2022|$4,882|—|$4,882|—|—|

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