Department of Labor filing

ACO, INC.

ACO, INC TAX FAVORED SAVINGS PLAN · For the plan year ended Dec 31, 2024

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Public filing 2024 · received Oct 7, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

55filing comparison
out of 100

The filing looks broadly typical among comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support

$2,511

Reported employer contributions per active participant.

Higher than about 72% of comparable plans

#People in the filing

179

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$263 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 18% of comparable plans

↗Investment performance

Not available

Plan assets changed 15.8%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202455out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions72nd percentileTypical peer $1,735 · based on 443 comparable plans

Lower reported administrative expense18th percentileTypical peer $150 · based on 447 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, ACO, INC. reported $449,411 in employer contributions across the plan and 179 active participants. That works out to $2,511 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy80%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 17.5%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendNot enough history

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context55/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $449,411
Participant contributions: $636,071
Other contributions: $279,206
Employer share of reported contributions: 41.4%
Beginning assets: $12,590,114
Ending assets: $14,581,260
Ending net assets: $14,581,260
Ending liabilities: $0
Total income: $2,966,109
Total expenses: $974,963
Administrative expenses: $55,650
Participant loans: $219,758

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$2,136

2023

$2,458

2024

$2,511

Plan-paid administrative expenses per participant

2022

2023

$213

2024

$263

Active participants

2022

178

2023

171

2024

179

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$2,511	179	14.6M	20251007075701NAL0002301731001
2023	$2,458	171	12.6M	20241008113906NAL0016544433001
2022	$2,136	178	10.8M	20231012132133NAL0021350259001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 1.5%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 341238844-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1986
Industry: Industry group 326
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K3D

Current plan terms

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Filing ACK_ID20251007075701NAL0002301731001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗