Community Behavioral Health 401(k) Review & Grade
Community Behavioral Health 403(b) Plan
Philadelphia, PAHealth Care & Social Assistance594 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,449Employer $ per active participant
$6,103Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$79.2MNet plan assets, end of year
$108,077Average balance per account
Score breakdown
- Employer generosity45.9 / 5092th percentile for employer $ per participant
- Low cost5.9 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 23th |
| Employee saving | 89th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,856 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Community Behavioral Health put in about $5,449 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 (0.50% 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $3,236,472 |
| Participant (employee) contributions | $3,624,996 |
| Other contributions (incl. rollovers in) | $626,786 |
| Administrative expenses paid from the plan | $365,344 |
| Investment advisory & management fees | $14,188 |
| Benefits paid out | $5,359,047 |
| Net assets, start / end of year | $68.3M / $79.2M |
| Active participants, start / end of year | 600 / 588 |
| Participants with account balances | 733 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PKF O'connor Davies |
Largest service providers (Schedule C)
| Great-West Life & Annuity | $180,932 reported compensation |
| Equitable Financial Life Insurance | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260428153652NAL0021174002001, received 2026-04-28, EIN 23-2766661, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.