CMJ Healthcare Holdings LLC 401(k) Review & Grade
Vogue Recovery Center 401(k) Plan
Pittsburgh, PAHealth Care & Social Assistance654 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$578Employer $ per active participant
$1,133Employee $ saved per active participant
0.77%Direct admin cost, % of plan assets
$2.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity19.1 / 5038th percentile for employer $ per participant
- Low cost2.7 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving3.8 / 1525th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score19 / 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 | 38th |
| Lower admin cost | 11th |
| Employee saving | 25th |
| 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 ($778 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- CMJ Healthcare Holdings put in about $578 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 (0.77% 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.
- 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 | $378,024 |
| Participant (employee) contributions | $740,697 |
| Other contributions (incl. rollovers in) | $56,346 |
| Administrative expenses paid from the plan | $15,684 |
| Contract administrator fees | $7,050 |
| Investment advisory & management fees | $8,634 |
| Benefits paid out | $479,441 |
| Net assets, start / end of year | $1.6M / $2.5M |
| Active participants, start / end of year | 691 / 616 |
| Participants with account balances | 193 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | H2r CPA |
Largest service providers (Schedule C)
| Leatherback Investments LLC | $8,634 reported compensation |
| The Vanguard Group, Inc. | $7,050 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015164524NAL0010699586001, received 2025-10-15, EIN 85-0973688, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.