Behavioral Health Holdings, LLC 401(k) Review & Grade
Behavioral Health Holdings 401(k) Plan
Kansas City, MOHealth Care & Social Assistance578 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$141Employer $ per active participant
$406Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$1.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity9.2 / 5018th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score11 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 42th |
| Employee saving | 8th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($11,853 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $20,890 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Behavioral Health Holdings put in about $141 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.
- 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $81,287 |
| Participant (employee) contributions | $234,626 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $4,763 |
| Benefits paid out | $284,997 |
| Net assets, start / end of year | $1.5M / $1.8M |
| Active participants, start / end of year | 382 / 774 |
| Participants with account balances | 268 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250730164236NAL0004388513001, received 2025-07-30, EIN 81-1930652, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.