A.w. Holdings LLC D/B/A Benchmark Human Services 401(k) Review & Grade
Aws 401(k) Profit Sharing Plan
Fort Wayne, INHealth Care & Social Assistance2,845 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$685Employer $ per active participant
$864Employee $ saved per active participant
0.53%Direct admin cost, % of plan assets
$35.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity23.8 / 5048th percentile for employer $ per participant
- Low cost3.0 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving3.5 / 1523th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score30 / 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 | 48th |
| Lower admin cost | 12th |
| Employee saving | 23th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $30,148 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- A.w. Holdings LLC D/B/A Benchmark Human Services put in about $685 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 (0.53% 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 | $1,949,755 |
| Participant (employee) contributions | $2,456,994 |
| Other contributions (incl. rollovers in) | $146,083 |
| Administrative expenses paid from the plan | $172,351 |
| Investment advisory & management fees | $93,462 |
| Benefits paid out | $2,595,257 |
| Net assets, start / end of year | $30.1M / $35.4M |
| Active participants, start / end of year | 3,128 / 2,562 |
| Participants with account balances | 1,263 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars LLP |
Largest service providers (Schedule C)
| Buckingham Asset Management | $93,462 reported compensation |
| Schwab Retirement Plan Services,inc | $79,039 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010150532NAL0007914721001, received 2025-10-10, EIN 20-8906852, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.