American Health Care 401(k) Review & Grade
Randolph Health 401(k) Plan
Los Angeles, CAHealth Care & Social Assistance1,136 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,492Employer $ per active participant
$3,465Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$41.2MNet plan assets, end of year
$53,927Average balance per account
Score breakdown
- Employer generosity30.8 / 5062th percentile for employer $ per participant
- Low cost6.9 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 28th |
| Employee saving | 62th |
| 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
- American Health Care put in about $1,492 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.
- Direct plan expenses (0.43% 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 | $1,694,161 |
| Participant (employee) contributions | $3,934,594 |
| Other contributions (incl. rollovers in) | $1,067,712 |
| Administrative expenses paid from the plan | $160,771 |
| Contract administrator fees | $60,888 |
| Investment advisory & management fees | $79,670 |
| Benefits paid out | $2,304,977 |
| Net assets, start / end of year | $32.9M / $41.2M |
| Active participants, start / end of year | 1,132 / 1,139 |
| Participants with account balances | 764 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| John Hancock | $88,798 reported compensation |
| Mma Securities LLC | $51,761 reported compensation |
| Clifton Larson Allen | $20,213 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013141236NAL0000698579001, received 2025-10-13, EIN 85-4354835, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.