Living Branches 401(k) Review & Grade
Living Branches Retirement Plan
Lansdale, PAHealth Care & Social Assistance517 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,623Employer $ per active participant
$2,303Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$26.5MNet plan assets, end of year
$43,463Average balance per account
Score breakdown
- Employer generosity39.3 / 5079th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1546th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 23th |
| Employee saving | 46th |
| Peers that auto-enroll | 36% |
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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
- Living Branches put in about $2,623 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.
- 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 | $1,356,023 |
| Participant (employee) contributions | $1,190,708 |
| Other contributions (incl. rollovers in) | $267,290 |
| Administrative expenses paid from the plan | $129,288 |
| Contract administrator fees | $81,243 |
| Investment advisory & management fees | $48,045 |
| Benefits paid out | $4,505,237 |
| Net assets, start / end of year | $25.3M / $26.5M |
| Active participants, start / end of year | 489 / 545 |
| Participants with account balances | 609 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Girard Advisory Services, LLC | $48,045 reported compensation |
| John Hancock Life Ins. Co. U.S.A. | $10,287 reported compensation |
| The Retirement Plan Company L | $5,145 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260414105235NAL0021816339001, received 2026-04-14, EIN 23-2125481, plan #002, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.