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Original filing (PDF)20251014144229NAL0006384210001
AMERICAN CREDIT ACCEPTANCE, LLC
Form 5500
FILING_RECEIVED
AMERICAN CREDIT ACCEPTANCE, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
941
Accounts w/ balance
1,136
Plan assets (EOY)
$26.6M
Net assets (EOY)
$26.6M
How this plan invests
This plan
1 pooled trust
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERICAN CREDIT ACCEPTANCE, LLC.
Plan sponsor
Name
AMERICAN CREDIT ACCEPTANCE, LLC
EIN
26-0150727
Address
961 E MAIN ST · SPARTANBURG, SC · 29302
Phone
(864) 256-2336
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2S · Automatic enrollment
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
Audit & trust (Schedule H)
Auditor
GOSNELL MENARD ROBINSON INFANTE CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS LLC | 11-3665754 | — | NONE | $79K | — |
| ONE DIGITAL INVESTMENT ADVISORS | — | OVERLAND PARK, KS | NONE | $12K | — |
Investments
28 direct securities · 1 pooled fund· $26.5M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$25.6M
28 holdings
Common Collective Trust
$962K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $3.0M | 11.4% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $3.0M | 11.1% | |
| Vanguard 500 Index Adm Vanguard 0 | — | — | — | $2.7M | 10.3% | |
| American Century Growth R6 American Century 0 | — | — | — | $2.5M | 9.2% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $2.2M | 8.3% | |
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $2.0M | 7.5% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $1.9M | 7.1% | |
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $1.7M | 6.5% | |
| MORLEY STABLE VALUE FUND FEE CLASS MORLEY FINANCIAL SERVICES, INC. · EIN 93-6274329 / PN 125 | Common Collective Trust | — | — | $962K | 3.6% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $798K | 3.0% | |
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $768K | 2.9% | |
| Vanguard Target Retirement 2020 Fund Vanguard 0 | — | — | — | $704K | 2.6% | |
| Fidelity Small Cap Index Fidelity 0 | — | — | — | $582K | 2.2% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $573K | 2.2% | |
| Fidelity Mid Cap Index Fidelity 0 | — | — | — | $561K | 2.1% | |
| American Funds American Balanced R6 American Funds 0 | — | — | — | $456K | 1.7% | |
| Macquarie Mid Cap Growth R6 Macquarie 0 | — | — | — | $299K | 1.1% | |
| Dodge & Cox Income Fund I Dodge & Cox 0 | — | — | — | $288K | 1.1% | |
| American Funds US Government Sec R6 American Funds 0 | — | — | — | $286K | 1.1% | |
| JHancock International Growth R6 John Hancock 0 | — | — | — | $265K | 1.0% | |
| DFA U.S. Targeted Value Portfolio I DFA 0 | — | — | — | $228K | 0.9% | |
| (CL) Invesco Discovery R6 Invesco 0 | — | — | — | $212K | 0.8% | |
| Vanguard Equity Income Adm Vanguard 0 | — | — | — | $205K | 0.8% | |
| Fidelity International Index Fidelity 0 | — | — | — | $124K | 0.5% | |
| Vanguard Target Retirement Income Fund Vanguard 0 | — | — | — | $93K | 0.3% | |
| Fidelity RealEstate Investment Portf Fidelity 0 | — | — | — | $62K | 0.2% | |
| MFS Mid Cap Value R6 MFS 0 | — | — | — | $50K | 0.2% | |
| DFA International Value Portfolio I DFA 0 | — | — | — | $13K | <0.1% | |
| PIMCO Intl Bond (USDHedged) I PIMCO 0 | — | — | — | $9K | <0.1% |