Remed Holdings, LLC 401(k) Review & Grade
Remed Holdings, LLC and Affiliated Companies 401(k) Plan
Paoli, PAHealth Care & Social Assistance1,018 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$942Employer $ per active participant
$1,988Employee $ saved per active participant
0.42%Direct admin cost, % of plan assets
$31.1MNet plan assets, end of year
$50,996Average balance per account
Score breakdown
- Employer generosity24.6 / 5049th percentile for employer $ per participant
- Low cost7.2 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 29th |
| Employee saving | 41th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $839 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Remed Holdings put in about $942 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 (0.42% 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 | $958,812 |
| Participant (employee) contributions | $2,023,206 |
| Other contributions (incl. rollovers in) | $131,664 |
| Administrative expenses paid from the plan | $126,822 |
| Investment advisory & management fees | $67,443 |
| Benefits paid out | $4,466,222 |
| Net assets, start / end of year | $29.1M / $31.1M |
| Active participants, start / end of year | 994 / 1,041 |
| Participants with account balances | 609 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Forest Capital Management LLC | $67,444 reported compensation |
| Transamerica Retirement Solutions | $59,212 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014152909NAL0001583171002, received 2025-10-14, EIN 47-2517533, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.