Keystone NFP Acquisitions LLC 401(k) Review & Grade
Keystone Planet Fitness Retirement Plan
Camp Hill, PAArts, Entertainment & Recreation1,353 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$348Employer $ per active participant
$556Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$8.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity11.8 / 5024th percentile for employer $ per participant
- Low cost16.9 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving1.3 / 159th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 68th |
| Employee saving | 9th |
| Peers that auto-enroll | 38% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($31,059 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Keystone NFP Acquisitions put in about $348 per active participant, below the typical peer ($995). 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.
- 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 | $470,557 |
| Participant (employee) contributions | $752,284 |
| Other contributions (incl. rollovers in) | $91,674 |
| Administrative expenses paid from the plan | $9,376 |
| Contract administrator fees | $6,300 |
| Investment advisory & management fees | $3,076 |
| Benefits paid out | $585,682 |
| Net assets, start / end of year | $6.5M / $8.1M |
| Active participants, start / end of year | 1,119 / 1,587 |
| Participants with account balances | 279 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| John Hancock USA | $3,400 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006174221NAL0009977202001, received 2025-10-06, EIN 81-1637594, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.