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Original filing (PDF)20251008125504NAL0005870705001
AUTO CLUB INSURANCE ASSOCIATION
Form 5500
FILING_RECEIVED
THE AUTO CLUB GROUP 401K PLAN
401(k) retirement plan
Signals · 1
6 service providers
Active participants
9,787
Accounts w/ balance
12,429
Plan assets (EOY)
$1.2B
Net assets (EOY)
$1.2B
How this plan invests
This plan
14 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 8 bps in Schedule C fees — 57% above peer band of 5 bps.
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
335
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2H · Partial participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
GJC CPA'S & ADVISORS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $325K | — |
| VANGUARD GROUP | 23-1945930 | — | RECORDKEEPER | $269K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FINANCIAL ENGINES | 77-0473565 | — | ADVISOR | $172K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GJC CPA'S & ADVISORS | 38-2029668 | — | ACCOUNTING | $22K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VANGUARD ADVISERS, INC. | 23-2811930 | — | INV-ADV | $117K | — |
| NEPC, LLC | 26-1429809 | — | TRUSTECO | $20K | — |
Investments
12 direct securities · 14 pooled funds· $1.2B(99% 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.
Common Collective Trust
$622.5M
14 holdings
Uncategorized
$541.6M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund 864,143 shares | — | — | $864K | $176.4M | 15.0% | |
| VANGUARD TARGET RETIREMENT 2030 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083979 / PN 001 | Common Collective Trust | — | $1.2M | $104.5M | 8.9% | |
| VANGUARD TARGET RETIREMENT 2035 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083977 / PN 001 | Common Collective Trust | — | $981K | $87.7M | 7.4% | |
| VANGUARD TARGET RETIREMENT 2040 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083975 / PN 001 | Common Collective Trust | — | $840K | $80.4M | 6.8% | |
| Vanguard Wellington Fund 1,033,376 shares | — | — | $1.0M | $76.4M | 6.5% | |
| VANGUARD RETIRE SAVINGS TRUST III VANGUARD FIDUCIARY TRUST COMPANY · EIN 38-7041744 / PN 024 | Common Collective Trust | — | $74.0M | $74.0M | 6.3% | |
| Fidelity Mid Cap Index Fund 2,153,938 shares | — | — | $2.2M | $72.7M | 6.2% | |
| VANGUARD TARGET RETIREMENT 2045 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083973 / PN 001 | Common Collective Trust | — | $648K | $64.6M | 5.5% | |
| VANGUARD TARGET RETIREMENT 2025 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083981 / PN 001 | Common Collective Trust | — | $719K | $57.7M | 4.9% | |
| VANGUARD TARGET RETIREMENT 2050 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083969 / PN 001 | Common Collective Trust | — | $485K | $49.4M | 4.2% | |
| Fidelity Blue Chip Growth Commingled Pool 921,481 shares | — | — | $921K | $46.0M | 3.9% | |
| Fidelity U.S. Bond Index Fund 4,364,756 shares | — | — | $4.4M | $44.6M | 3.8% | |
| Fidelity Global ex U.S. Index Fund 3,060,748 shares | — | — | $3.1M | $44.1M | 3.7% | |
| VANGUARD TARGET RETIREMENT 2055 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 27-6715074 / PN 001 | Common Collective Trust | — | $287K | $35.6M | 3.0% | |
| VANGUARD TARGET RETIREMENT 2020 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083983 / PN 001 | Common Collective Trust | — | $443K | $33.5M | 2.8% | |
| Fidelity Small Cap Index Fund 858,106 shares | — | — | $858K | $23.8M | 2.0% | |
| percent to 10.5 percent 0 | — | — | — | $23.5M | 2.0% | |
| Artisan International Value Fund 492,267 shares | — | — | $492K | $23.2M | 2.0% | |
| VANGUARD TARGET RETIREMENT 2060 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 45-3799212 / PN 001 | Common Collective Trust | — | $242K | $15.8M | 1.3% | |
| VANGUARD TARGET RETIREMENT INCOME T VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083968 / PN 001 | Common Collective Trust | — | $212K | $14.4M | 1.2% | |
| Fidelity Inflation Protected Bond Index Fund 903,982 shares | — | — | $904K | $8.0M | 0.7% | |
| VANGUARD TARGET RETIREMENT 2065 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6190443 / PN 001 | Common Collective Trust | — | $111K | $4.4M | 0.4% | |
| Touchstone Impact Bond Fund 190,119 shares | — | — | $190K | $1.7M | 0.1% | |
| Fidelity Government Money Market Fund 1,130,161 shares | — | — | $1.1M | $1.1M | <0.1% | |
| VANGUARD TARGET RETIREMENT 2070 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 87-7035538 / PN 001 | Common Collective Trust | — | $13K | $315K | <0.1% | |
| HARBOR CAPITAL APPRECIATION TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 84-4022934 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |