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Original filing (PDF)20251008122505NAL0005836945001
AUTO CLUB INSURANCE ASSOCIATION
Form 5500
FILING_RECEIVED
THE AUTO CLUB GROUP CASH VALUE PLAN PENSION PLAN
Defined-benefit pension plan
Signals · 3
99% in single holdingNo recordkeeper disclosed9 service providers
Active participants
1,064
Accounts w/ balance
—
Plan assets (EOY)
$493.2M
Net assets (EOY)
$492.3M
How this plan invests
This plan
2 pooled trusts
Schedule D
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
82
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
55
Participation health
100
Knocking points off
- Top holding "Principal Bank Various investments (See Appendix for detailed listing)" is 99% of plan.
- 25 bps in Schedule C fees — 155% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Plan is frozen (1I) — no new benefit accrual.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AUTO CLUB INSURANCE ASSOCIATION.
Plan sponsor
Name
AUTO CLUB INSURANCE ASSOCIATION
EIN
38-0477270
Address
1 AUTO CLUB DRIVE · DEARBORN, MI · 48126
Phone
(866) 372-4111
Industry
Finance & Insurancesee all
Plan administrator
Name
RETIREMENT PLAN COMMITTEE
EIN
38-0477270
City
DEARBORN, MI
Phone
(866) 372-4111
Plan characteristics
Plan number
333
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
1A · Pay-related DB formula
1C · Cash balance or similar hybrid DB
1E · Section 401(h) arrangement
1I · Frozen plan — no new benefit accrual
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
GJC CPA'S & ADVISORS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsOther
9| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HEWITT ASSOCIATES | 36-2235791 | — | RDKPINMT | $317K | — |
| NISA INVESTMENT ADVISORS, LLC | 48-1140940 | — | INADV-PL | $299K | — |
| NEPC, LLC | 26-1429809 | — | CONSULTP | $219K | — |
| PRINCIPAL TRUST COMPANY | 51-0099493 | — | TRUSTECO | $147K | — |
| MONROE CAPITAL MANAGEMENT ADVISORS, | 20-8524328 | — | INV-MGMT | $139K | — |
| LOOMIS SAYLES & COMPANY LP | 20-8080381 | — | INV-MGMTP | $53K | — |
| STATE STREET GLOBAL ADVISORS TRUST | 81-4017137 | — | INV-MGMT | $38K | — |
| GJC CPA'S & ADVISORS | 38-2029668 | — | ACCTING | $29K | — |
| XPONANCE, INC. | 20-2103144 | — | INV-MGMT | $15K | — |
Investments
2 direct securities · 2 pooled funds· $560.0M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$491.4M
2 holdings
Common Collective Trust
$68.6M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Bank Various investments (See Appendix for detailed listing) | — | — | $534.2M | $488.8M | 99.1% | |
| STATE STREET INTERMEDIATE US CREDIT STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 04-0025081 / PN 148 | Common Collective Trust | — | — | $60.7M | 12.3% | |
| NHIT MULTISECTOR FULL DISCRETION T LOOMIS SAYLES TRUST COMPANY, LLC · EIN 20-8080381 / PN 005 | Common Collective Trust | — | — | $7.9M | 1.6% | |
| Party-in- Identity of Issue, Borrower, Description of Current Interest Lessor or Similar Party Investment Cost Value * Principal Bank Cash | — | — | $2.5M | $2.5M | 0.5% |