Cen-Clear Child Services, Inc. 401(k) Review & Grade
Cenclearretirement Savings Plan.
Woodland, PAHealth Care & Social Assistance516 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,889Employer $ per active participant
$2,122Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$27.3MNet plan assets, end of year
$68,139Average balance per account
Score breakdown
- Employer generosity34.5 / 5069th percentile for employer $ per participant
- Low cost23.6 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 94th |
| Employee saving | 43th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $15,265 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Cen-Clear Child Services put in about $1,889 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.
- 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.
- 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 | $974,964 |
| Participant (employee) contributions | $1,094,823 |
| Other contributions (incl. rollovers in) | $28,383 |
| Administrative expenses paid from the plan | $6,089 |
| Contract administrator fees | $6,089 |
| Benefits paid out | $2,023,525 |
| Net assets, start / end of year | $23.5M / $27.3M |
| Active participants, start / end of year | 523 / 509 |
| Participants with account balances | 401 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Boles Metzger Brosius & Walborn PC |
Largest service providers (Schedule C)
| American United Life Insurance Comp | $26,672 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009082027NAL0010550400001, received 2025-10-09, EIN 25-1378446, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.