Aids Healthcare Foundation 401(k) Review & Grade
Ahf Savings and Investment Plan
Los Angeles, CAHealth Care & Social Assistance2,805 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,867Employer $ per active participant
$5,375Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$158.7MNet plan assets, end of year
$40,196Average balance per account
Score breakdown
- Employer generosity40.4 / 5081th percentile for employer $ per participant
- Low cost12.0 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 48th |
| Employee saving | 75th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $175,909 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Aids Healthcare Foundation put in about $2,867 per active participant, more than the typical peer ($800). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $8,040,598 |
| Participant (employee) contributions | $15,076,044 |
| Other contributions (incl. rollovers in) | $948,383 |
| Administrative expenses paid from the plan | $188,563 |
| Contract administrator fees | $188,563 |
| Benefits paid out | $12,578,971 |
| Net assets, start / end of year | $130.6M / $158.7M |
| Active participants, start / end of year | 2,763 / 2,847 |
| Participants with account balances | 3,948 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Vasquez & Company LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $590,361 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260731064501NAL0023332673001, received 2026-07-31, EIN 95-4112121, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.