Sycamores 401(k) Review & Grade
Sycamores 401(k) Plan
Los Angeles, CAHealth Care & Social Assistance539 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,507Employer $ per active participant
$3,871Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$48.5MNet plan assets, end of year
$70,631Average balance per account
Score breakdown
- Employer generosity38.9 / 5078th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving10.0 / 1567th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 53th |
| Employee saving | 67th |
| 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
- Sycamores put in about $2,507 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $1,351,230 |
| Participant (employee) contributions | $2,086,708 |
| Other contributions (incl. rollovers in) | $156,228 |
| Administrative expenses paid from the plan | $94,306 |
| Investment advisory & management fees | $65,908 |
| Other admin expenses | $15,750 |
| Benefits paid out | $3,939,499 |
| Net assets, start / end of year | $43.0M / $48.5M |
| Active participants, start / end of year | 548 / 530 |
| Participants with account balances | 686 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Green Hasson Janks |
Largest service providers (Schedule C)
| RBC Capital Markets LLC | $65,908 reported compensation |
| Hathaway-Sycamores Child & Family S | $15,750 reported compensation |
| Capital Group Retirement Plan Svcs. | $12,648 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924150417NAL0003095283001, received 2025-09-24, EIN 95-1691005, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.