Keystone Human Services 401(k) Review & Grade
Keystone Human Services 401(k) Retirement Plan
Harrisburg, PAHealth Care & Social Assistance2,632 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$325Employer $ per active participant
$2,167Employee $ saved per active participant
0.60%Direct admin cost, % of plan assets
$59.5MNet plan assets, end of year
$19,567Average balance per account
Score breakdown
- Employer generosity18.6 / 5037th percentile for employer $ per participant
- Low cost2.4 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving6.7 / 1545th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 10th |
| Employee saving | 45th |
| Peers that auto-enroll | 38% |
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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
- Keystone Human Services put in about $325 per active participant, below the typical peer ($800). 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 (0.60% of assets) are well above similar-size plans (0.12%). 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 | $855,670 |
| Participant (employee) contributions | $5,703,927 |
| Other contributions (incl. rollovers in) | $340,829 |
| Administrative expenses paid from the plan | $342,326 |
| Contract administrator fees | $72,438 |
| Investment advisory & management fees | $80,000 |
| Other admin expenses | $200 |
| Benefits paid out | $8,954,426 |
| Net assets, start / end of year | $54.2M / $59.5M |
| Active participants, start / end of year | 2,625 / 2,640 |
| Participants with account balances | 3,039 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mckonly & Asbury, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $262,126 reported compensation |
| Alliant Insurance Services Inc DBA | $80,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008101048NAL0005381569001, received 2025-10-08, EIN 25-1847902, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.