Jag - One Intermediate Holdings 401(k) Review & Grade
Jag - One Physical Therapy 401k Profit Sharing Plan and Trust
Bridgewater, NJHealth Care & Social Assistance1,428 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,038Employer $ per active participant
$2,287Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$31.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity25.9 / 5052th percentile for employer $ per participant
- Low cost22.4 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 89th |
| Employee saving | 45th |
| Peers that auto-enroll | 36% |
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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
- Jag - One Intermediate Holdings put in about $1,038 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 | $1,482,022 |
| Participant (employee) contributions | $3,264,748 |
| Other contributions (incl. rollovers in) | $966,840 |
| Administrative expenses paid from the plan | $12,034 |
| Benefits paid out | $1,425,299 |
| Net assets, start / end of year | $23.9M / $31.9M |
| Active participants, start / end of year | 899 / 1,956 |
| Participants with account balances | 592 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Williams Benator & Libby, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $12,034 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014114834NAL0001330227001, received 2025-10-14, EIN 83-1033256, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.