H.L. Yoh Company LLC 401(k) Review & Grade
The 401(k) Retirement Savings Plan for Yoh Contract Employees
Philadelphia, PAAdministrative, Support & Staffing Services5,388 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$0Employer $ per active participant
$1,171Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$43.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.0 / 508th percentile for employer $ per participant
- Low cost10.1 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 40th |
| Employee saving | 48th |
| Peers that auto-enroll | 22% |
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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
- H.L. Yoh Company put in about $0 per active participant, below the typical peer ($342). 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.
- 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 | $56 |
| Participant (employee) contributions | $6,309,504 |
| Other contributions (incl. rollovers in) | $2,096,134 |
| Administrative expenses paid from the plan | $73,279 |
| Other admin expenses | $4,643 |
| Benefits paid out | $13,156,709 |
| Net assets, start / end of year | $42.9M / $43.9M |
| Active participants, start / end of year | 5,514 / 5,263 |
| Participants with account balances | 1,752 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Fischer Cunnane and Associates LTD |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $26,923 reported compensation |
| Fischer Cunnane & Associates LTD | $10,630 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251004154648NAL0003524640001, received 2025-10-04, EIN 23-2938400, plan #012, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.