Willow Valley Communities 401(k) Review & Grade
Willow Valley Communities 401(k) Plan
Willow Street, PAHealth Care & Social Assistance1,016 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$684Employer $ per active participant
$1,975Employee $ saved per active participant
0.42%Direct admin cost, % of plan assets
$32.7MNet plan assets, end of year
$58,104Average balance per account
Score breakdown
- Employer generosity20.9 / 5042th 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 score34 / 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 | 42th |
| 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 $12,248 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Willow Valley Communities put in about $684 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 | $694,943 |
| Participant (employee) contributions | $2,006,399 |
| Other contributions (incl. rollovers in) | $40,340 |
| Administrative expenses paid from the plan | $129,483 |
| Investment advisory & management fees | $100,062 |
| Benefits paid out | $2,613,976 |
| Net assets, start / end of year | $28.9M / $32.7M |
| Active participants, start / end of year | 991 / 1,041 |
| Participants with account balances | 563 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fulton Bank, N.A. | $28,921 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250812155835NAL0023304210001, received 2025-08-12, EIN 23-2226098, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.