Ach Child and Family Services 401(k) Review & Grade
Ach Child and Family Services 401(k) Plan
Fort Worth, TXHealth Care & Social Assistance598 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,897Employer $ per active participant
$2,826Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$13.5MNet plan assets, end of year
$18,843Average balance per account
Score breakdown
- Employer generosity34.6 / 5069th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1554th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 59th |
| Employee saving | 54th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ach Child and Family Services put in about $1,897 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,134,691 |
| Participant (employee) contributions | $1,689,989 |
| Other contributions (incl. rollovers in) | $180,278 |
| Administrative expenses paid from the plan | $20,466 |
| Contract administrator fees | $20,466 |
| Benefits paid out | $1,330,649 |
| Net assets, start / end of year | $10.5M / $13.5M |
| Active participants, start / end of year | 544 / 652 |
| Participants with account balances | 718 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $20,465 reported compensation |
| Kestra Investment Services LLC | $15,668 reported compensation |
| Wilshire Advisors LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250722152949NAL0001333011001, received 2025-07-22, EIN 75-0818140, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.