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Original filing (PDF)20250721210148NAL0002003265001
ACCE BENEFIT TRUST
Form 5500
FILING_RECEIVED
ACCE BENEFIT TRUST PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed9 service providers
Active participants
3,470
Accounts w/ balance
5,161
Plan assets (EOY)
$464.8M
Net assets (EOY)
$464.8M
How this plan invests
This plan
21 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
68
Participation health
100
Knocking points off
- 39 bps in Schedule C fees — 286% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (9 disclosed providers, 5 categories).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ACCE BENEFIT TRUST.
Plan sponsor
Name
ACCE BENEFIT TRUST
EIN
54-6487038
Address
277 S. WASHINGTON ST STE 210 · ALEXANDRIA, VA · 223146400
Phone
(800) 394-2223
Industry
Other Services (ex. Public Admin)see 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
2025-07-21
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
2U · Association Retirement Plan
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsAdvisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
| HR INVESTMENT CONSULTANTS INC | 52-1662003 | — | CONSULTANT | — | — |
| MOORE COLSON | 58-1653941 | — | CONSULTANT | — | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $1.8M | — |
| FRINGE BENEFITS, INC | 52-0895753 | — | CONTRACT ADMINISTRATOR | — | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FORVIS, LLP | 44-0160260 | — | ACCOUNTANT | — | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GROOM LAW GROUP, CHARTERED | 52-1219029 | — | LEGAL | — | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
| ARTHUR J. GALLAGHER RISK MANG. | 36-2102482 | — | OTHER SERVICES | — | — |
Investments
14 direct securities · 21 pooled funds· $497.8M(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.
Common Collective Trust
$277.0M
13 holdings
Uncategorized
$131.8M
12 holdings
Pooled Separate Account
$48.0M
8 holdings
Mutual Funds
$32.9M
1 holding
Pooled Separate Accounts
$8.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HB 2040 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $64.6M | 13.9% | |
| PRIN LIFETIME HYB 2030 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $63.8M | 13.7% | |
| PRIN LIFETIME HY 2050 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $43.2M | 9.3% | |
| American Funds Distributors, Inc. American Funds Growth Fund of America R6 | Mutual Funds | — | — | $32.9M | 7.1% | |
| Fidelity 500 Index Fund | — | — | — | $31.3M | 6.7% | |
| Principal Funds Distributor, Inc. Principal Government Money Market R6 | — | — | — | $30.4M | 6.5% | |
| American Funds Distributors, Inc. American Funds Washington Mutual Investors R6 | — | — | — | $26.6M | 5.7% | |
| PRIN LIFETIME HB 2035 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $19.3M | 4.2% | |
| PRIN LIFETIME HB 2045 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $18.1M | 3.9% | |
| PRIN LIFETIME HYB 2020 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $16.9M | 3.6% | |
| PRIN LIFETIME HY 2055 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $14.1M | 3.0% | |
| PRIN LIFETIME HY 2060 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $12.9M | 2.8% | |
| The Principal Life Insurance Co. Principal Diversified International Separate Account-Z | — | — | — | $12.6M | 2.7% | |
| PRIN DIVERSIFIED INTL SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015 | Pooled Separate Account | — | — | $12.6M | 2.7% | |
| PRIN LIFETIME HYB 2025 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $11.4M | 2.5% | |
| PRIN MIDCAP GROWTH SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 021 | Pooled Separate Account | — | — | $10.1M | 2.2% | |
| Fidelity Small Cap Index Fund | — | — | — | $8.3M | 1.8% | |
| PRIN LIFETIME HY INC CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $8.1M | 1.7% | |
| s * The Principal Life Insurance Co. Principal Core Fixed Income Separate Account-Z | Pooled Separate Accounts | — | — | $8.0M | 1.7% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $8.0M | 1.7% | |
| Fidelity Mid Cap Index Fund | — | — | — | $5.4M | 1.2% | |
| The Principal Life Insurance Co. Principal SmallCap Growth I Separate Account-Z | — | — | — | $4.6M | 1.0% | |
| PRIN SMCAP GROWTH I SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 070 | Pooled Separate Account | — | — | $4.6M | 1.0% | |
| The Principal Life Insurance Co. Principal SmallCap Value II Separate Account-Z | — | — | — | $4.6M | 1.0% | |
| PRIN SMCAP VALUE II SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 096 | Pooled Separate Account | — | — | $4.6M | 1.0% | |
| The Principal Life Insurance Co. Principal Global Emerging Markets Separate Acct-Z | — | — | — | $3.5M | 0.8% | |
| PRIN GLBL EMERG MARKETS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 013 | Pooled Separate Account | — | — | $3.5M | 0.8% | |
| PRIN MIDCAP VALUE I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 043 | Pooled Separate Account | — | — | $3.4M | 0.7% | |
| PRIN LIFETIME HY 2065 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $3.2M | 0.7% | |
| Notes Receivable from Participants * Participant loans with interest rates from 4.25% to 10.50% | — | — | — | $2.6M | 0.6% | |
| Self-Directed Brokerage Accounts Self Directed Brokerage Accounts Individually Directed Accounts | — | — | — | $1.8M | 0.4% | |
| PRINCIPAL U.S. PROPERTY SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 027 | Pooled Separate Account | — | — | $1.2M | 0.3% | |
| PRIN LIFETIME HYB 2015 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $1.2M | 0.3% | |
| PRIN LIFETIME HYB 2070 CIT X PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $321K | <0.1% | |
| Investment Contracts * The Principal Life Insurance Co. Principal Pension Builder (SM) Z | — | — | — | $240K | <0.1% |
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