Recovery Centers of America Holdings LLC 401(k) Review & Grade
Recovery Centers of America 401(k) Plan
King of Prussia, PAHealth Care & Social Assistance2,627 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$724Employer $ per active participant
$1,268Employee $ saved per active participant
1.59%Direct admin cost, % of plan assets
$21.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity24.3 / 5049th percentile for employer $ per participant
- Low cost0.4 / 252th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th 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 | 49th |
| Lower admin cost | 2th |
| Employee saving | 31th |
| 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
- Recovery Centers of America Holdings put in about $724 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 (1.59% 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 | $1,902,054 |
| Participant (employee) contributions | $3,331,670 |
| Other contributions (incl. rollovers in) | $422,873 |
| Administrative expenses paid from the plan | $324,836 |
| Contract administrator fees | $291,155 |
| Investment advisory & management fees | $33,681 |
| Benefits paid out | $5,194,132 |
| Net assets, start / end of year | $19.0M / $21.8M |
| Active participants, start / end of year | 3,269 / 1,985 |
| Participants with account balances | 927 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Professional Capital Services LLC | $220,696 reported compensation |
| Benefit Plans Admin Services, Inc. | $49,731 reported compensation |
| Malvern Capital Management, LLC | $29,376 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009214016NAL0016525282001, received 2025-10-09, EIN 47-1498556, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.