Integrated Services for Behavioral Health 401(k) Review & Grade
Integrated Services Retirement Plan
Nelsonville, OHProfessional, Scientific & Technical Services552 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,298Employer $ per active participant
$2,481Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$14.1MNet plan assets, end of year
$23,701Average balance per account
Score breakdown
- Employer generosity11.9 / 5024th percentile for employer $ per participant
- Low cost16.3 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving1.9 / 1513th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 65th |
| Employee saving | 13th |
| 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
- Integrated Services for Behavioral Health put in about $1,298 per active participant, below the typical peer ($3,082). 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 | $717,176 |
| Participant (employee) contributions | $1,370,526 |
| Other contributions (incl. rollovers in) | $236,858 |
| Administrative expenses paid from the plan | $17,713 |
| Contract administrator fees | $17,713 |
| Benefits paid out | $1,033,152 |
| Net assets, start / end of year | $11.2M / $14.1M |
| Active participants, start / end of year | 504 / 601 |
| Participants with account balances | 594 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark Schaefer Hackett |
Largest service providers (Schedule C)
| Kestra Investment Services LLC | $29,034 reported compensation |
| Retirement Plan Concepts & Services | $11,576 reported compensation |
| Voya Retirement Advisors, LLC | $5,636 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010093019NAL0007440193001, received 2025-10-10, EIN 31-1472366, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.