National Youth Advocate Program 401(k) Review & Grade
National Youth Advocate Program 401(k) Plan
Columbus, OHHealth Care & Social Assistance2,545 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$637Employer $ per active participant
$1,119Employee $ saved per active participant
0.70%Direct admin cost, % of plan assets
$25.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity23.2 / 5046th percentile for employer $ per participant
- Low cost2.0 / 258th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1528th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score32 / 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 | 46th |
| Lower admin cost | 8th |
| Employee saving | 28th |
| 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
- National Youth Advocate Program put in about $637 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 (0.70% 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.
- 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 | $1,621,173 |
| Participant (employee) contributions | $2,847,472 |
| Other contributions (incl. rollovers in) | $767,315 |
| Administrative expenses paid from the plan | $160,972 |
| Investment advisory & management fees | $53,724 |
| Benefits paid out | $1,865,689 |
| Net assets, start / end of year | $20.1M / $25.9M |
| Active participants, start / end of year | 2,026 / 3,064 |
| Participants with account balances | 1,234 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark, Schaffer, Hackett & Co. |
Largest service providers (Schedule C)
| Schneider Downs Ret. Solutions | $98,099 reported compensation |
| Schneider Downs Wealth Mgmt Adv | $53,724 reported compensation |
| Charles Schwab Trust Company | $9,149 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014160133NAL0004469456001, received 2025-10-14, EIN 34-1404302, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.