Excelin Home Health, LLC 401(k) Review & Grade
Excelin Home Health, LLC 401(k) Plan & Trust
Hallettsville, TXHealth Care & Social Assistance750 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$742Employer $ per active participant
$1,796Employee $ saved per active participant
0.81%Direct admin cost, % of plan assets
$10.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity21.7 / 5043th percentile for employer $ per participant
- Low cost2.5 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1538th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score20 / 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 | 43th |
| Lower admin cost | 10th |
| Employee saving | 38th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($473 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $2,478 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Excelin Home Health put in about $742 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $555,775 |
| Participant (employee) contributions | $1,345,807 |
| Other contributions (incl. rollovers in) | $398,666 |
| Administrative expenses paid from the plan | $72,978 |
| Contract administrator fees | $65,775 |
| Investment advisory & management fees | $7,203 |
| Benefits paid out | $1,279,664 |
| Net assets, start / end of year | $7.6M / $10.5M |
| Active participants, start / end of year | 713 / 786 |
| Participants with account balances | 321 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $65,775 reported compensation |
| Hauser Retirement Solutions 2 LLC | $31,477 reported compensation |
| Usi Advisors, Inc. | $7,203 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250805110327NAL0002127859001, received 2025-08-05, EIN 82-2584489, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.