Intra-National Home Care, LLC 401(k) Review & Grade
Intra-National Home Care, LLC 401(k) Plan
Blacklick, OHHealth Care & Social Assistance4,972 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$94Employer $ per active participant
$290Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$6.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity11.4 / 5023th percentile for employer $ per participant
- Low cost9.1 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving1.6 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 37th |
| Employee saving | 11th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,062 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Intra-National Home Care put in about $94 per active participant, below the typical peer ($800). 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 (0.19% of assets) are well above similar-size plans (0.12%). 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 | $465,010 |
| Participant (employee) contributions | $1,442,273 |
| Other contributions (incl. rollovers in) | $88,519 |
| Administrative expenses paid from the plan | $9,836 |
| Benefits paid out | $957,541 |
| Net assets, start / end of year | $4.4M / $6.0M |
| Active participants, start / end of year | 4,895 / 5,050 |
| Participants with account balances | 520 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | T Michael Robb & Associates Inc |
Largest service providers (Schedule C)
| Adp, Inc. | $9,836 reported compensation |
| Pruco Securities, LLC | $0 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260413101123NAL0021931922001, received 2026-04-13, EIN 46-2950469, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.