Aurora Home Care Inc 401(k) Review & Grade
Aurora Home Care Inc 401(k) Profit Sharing Plan & Trust
Feasterville Trevose, PARetail Trade874 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$62Employer $ per active participant
$363Employee $ saved per active participant
0.95%Direct admin cost, % of plan assets
$1.5MNet plan assets, end of year
$1,857Average balance per account
Score breakdown
- Employer generosity4.5 / 509th percentile for employer $ per participant
- Low cost1.8 / 257th percentile for low admin cost vs. same-size plans
- Employee saving0.5 / 153th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score10 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 7th |
| Employee saving | 3th |
| Peers that auto-enroll | 48% |
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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
- Aurora Home Care put in about $62 per active participant, below the typical peer ($743). 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 (0.95% 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 | $54,445 |
| Participant (employee) contributions | $317,875 |
| Other contributions (incl. rollovers in) | $21,903 |
| Administrative expenses paid from the plan | $12,718 |
| Contract administrator fees | $11,858 |
| Benefits paid out | $223,223 |
| Net assets, start / end of year | $1.2M / $1.5M |
| Active participants, start / end of year | 816 / 933 |
| Participants with account balances | 806 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lopez, Teodosio & Larkin, LLC |
Largest service providers (Schedule C)
| Paychex, Inc. | $12,104 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015093304NAL0004188689001, received 2025-10-15, EIN 26-3447441, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.