Maybrook-C Opco Holdings 401(k) Review & Grade
The Groves 401(k) Plan
Harmony, PAHealth Care & Social Assistance564 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$147Employer $ per active participant
$511Employee $ saved per active participant
2.16%Direct admin cost, % of plan assets
$1.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity9.4 / 5019th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score4 / 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 | 19th |
| Lower admin cost | 1th |
| Employee saving | 11th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($15,387 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
- Maybrook-C Opco Holdings put in about $147 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 (2.16% 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 | $82,709 |
| Participant (employee) contributions | $287,872 |
| Other contributions (incl. rollovers in) | $2,275 |
| Administrative expenses paid from the plan | $54,374 |
| Contract administrator fees | $42,811 |
| Investment advisory & management fees | $10,279 |
| Other admin expenses | $1,284 |
| Benefits paid out | $3,691,031 |
| Net assets, start / end of year | $3.9M / $1.1M |
| Active participants, start / end of year | 1,111 / 16 |
| Participants with account balances | 91 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Blatt & Dauman LLP |
Largest service providers (Schedule C)
| John Hancock USA | $4,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260609153840NAL0004764977001, received 2026-06-09, EIN 81-0752511, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.