Christian Home Healthcare Corp 401(k) Review & Grade
Christian Home Healthcare Corp 401(k) Profit Sharing Plan & Trust
Pittsburgh, PAHealth Care & Social Assistance571 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$39Employer $ per active participant
$255Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$1.3MNet plan assets, end of year
$3,074Average balance per account
Score breakdown
- Employer generosity5.7 / 5011th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving0.8 / 155th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-8 pts2 issues reported on the filing
Total score14 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 51th |
| Employee saving | 5th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
Corrective distributions: the plan refunded $5,648 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Christian Home Healthcare put in about $39 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.
- 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 | $22,076 |
| Participant (employee) contributions | $145,786 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $2,584 |
| Contract administrator fees | $1,162 |
| Investment advisory & management fees | $562 |
| Benefits paid out | $41,879 |
| Net assets, start / end of year | $1.1M / $1.3M |
| Active participants, start / end of year | 588 / 554 |
| Participants with account balances | 417 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014161920NAL0004511088001, received 2025-10-14, EIN 34-2054383, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.