Addiction Recovery Care LLC 401(k) Review & Grade
Addiction Recovery Care LLC 401(k) Plan
Louisa, KYManagement of Companies1,296 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$445Employer $ per active participant
$895Employee $ saved per active participant
1.75%Direct admin cost, % of plan assets
$4.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.1 / 508th percentile for employer $ per participant
- Low cost0.4 / 252th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 155th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score5 / 100 · Grade F
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 2th |
| Employee saving | 5th |
| Peers that auto-enroll | 58% |
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Red flags from the filing
Corrective distributions: the plan refunded $121,005 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Addiction Recovery Care put in about $445 per active participant, below the typical peer ($2,492). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (1.75% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $577,240 |
| Participant (employee) contributions | $1,160,368 |
| Other contributions (incl. rollovers in) | $162,101 |
| Administrative expenses paid from the plan | $69,969 |
| Contract administrator fees | $69,961 |
| Investment advisory & management fees | $8 |
| Benefits paid out | $568,928 |
| Net assets, start / end of year | $3.2M / $4.8M |
| Active participants, start / end of year | 1,376 / 1,216 |
| Participants with account balances | 374 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RFH, PLLC |
Largest service providers (Schedule C)
| Ascensus LLC | $69,961 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001091059NAL0005844355001, received 2025-10-01, EIN 46-1095648, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.