Airrosti Rehab Centers LLC. 401(k) Review & Grade
Airrosti Rehab Centers, LLC 401k Plan
San Antionio, TXHealth Care & Social Assistance650 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$777Employer $ per active participant
$5,536Employee $ saved per active participant
0.81%Direct admin cost, % of plan assets
$37.6MNet plan assets, end of year
$46,362Average balance per account
Score breakdown
- Employer generosity22.4 / 5045th percentile for employer $ per participant
- Low cost2.4 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 10th |
| Employee saving | 84th |
| 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
- Airrosti Rehab Centers put in about $777 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 (0.81% 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.
- 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 | $504,878 |
| Participant (employee) contributions | $3,595,681 |
| Other contributions (incl. rollovers in) | $166,816 |
| Administrative expenses paid from the plan | $278,311 |
| Contract administrator fees | $177,389 |
| Investment advisory & management fees | $100,922 |
| Benefits paid out | $1,812,846 |
| Net assets, start / end of year | $30.8M / $37.6M |
| Active participants, start / end of year | 636 / 663 |
| Participants with account balances | 811 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Peggy S. Edge, CPA, LLC |
Largest service providers (Schedule C)
| Lincoln National Corporation | $171,683 reported compensation |
| Hill Country Retirement Solutions | $100,922 reported compensation |
| Morningstar | $5,706 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007100037NAL0002564339001, received 2025-10-07, EIN 26-1455666, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.