Assisted Home Recovery, Inc. 401(k) Review & Grade
Assisted Home Health and Hospice 401(k) Plan
Thousand Oaks, CAHealth Care & Social Assistance804 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$908Employer $ per active participant
$2,164Employee $ saved per active participant
0.62%Direct admin cost, % of plan assets
$17.8MNet plan assets, end of year
$41,755Average balance per account
Score breakdown
- Employer generosity24.2 / 5048th percentile for employer $ per participant
- Low cost4.2 / 2517th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 17th |
| Employee saving | 44th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $77,564 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Assisted Home Recovery put in about $908 per active participant, below the typical peer ($976). 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 (0.62% 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 | $729,416 |
| Participant (employee) contributions | $1,738,596 |
| Other contributions (incl. rollovers in) | $96,800 |
| Administrative expenses paid from the plan | $102,185 |
| Investment advisory & management fees | $49,423 |
| Benefits paid out | $1,806,963 |
| Net assets, start / end of year | $15.3M / $17.8M |
| Active participants, start / end of year | 812 / 795 |
| Participants with account balances | 426 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holthouse Carlin and Van Trigt LLP |
Largest service providers (Schedule C)
| Transamerica Financial Life Ins Co | $52,762 reported compensation |
| Merrill Lynch Life Agency, Inc. | $49,423 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911151243NAL0000398465001, received 2025-09-11, EIN 95-4242428, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.