Allied Digestive Health, LLC 401(k) Review & Grade
Allied Digestive Health 401(k) Plan
West Long Branch, NJHealth Care & Social Assistance904 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,658Employer $ per active participant
$6,798Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$89.6MNet plan assets, end of year
$87,259Average balance per account
Score breakdown
- Employer generosity48.7 / 5097th percentile for employer $ per participant
- Low cost8.9 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving13.8 / 1592th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 36th |
| Employee saving | 92th |
| 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
- Allied Digestive Health put in about $8,658 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.
- Direct plan expenses (0.35% 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 | $7,822,608 |
| Participant (employee) contributions | $6,142,443 |
| Other contributions (incl. rollovers in) | $4,421,695 |
| Administrative expenses paid from the plan | $267,409 |
| Investment advisory & management fees | $48,163 |
| Benefits paid out | $2,309,004 |
| Net assets, start / end of year | $64.7M / $89.6M |
| Active participants, start / end of year | 860 / 947 |
| Participants with account balances | 1,027 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Macias Gini and O'connell LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $143,116 reported compensation |
| Usi Advisors Inc | $32,407 reported compensation |
| Empower Advisory Group, LLC | $13,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007123439NAL0004766241001, received 2025-10-07, EIN 46-3915494, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.