Kids & Company, Inc. 401(k) Review & Grade
Kids & Company, Inc. 401(k) Plan
Quincy, MAHealth Care & Social Assistance1,424 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$86Employer $ per active participant
$200Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$1.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity7.2 / 5014th percentile for employer $ per participant
- Low cost10.4 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving0.5 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score21 / 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 | 14th |
| Lower admin cost | 42th |
| Employee saving | 4th |
| 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
- Kids & Company put in about $86 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.
- 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 | $123,099 |
| Participant (employee) contributions | $285,109 |
| Other contributions (incl. rollovers in) | $251,587 |
| Administrative expenses paid from the plan | $3,394 |
| Benefits paid out | $46,952 |
| Net assets, start / end of year | $801,889 / $1.5M |
| Active participants, start / end of year | 1,246 / 1,603 |
| Participants with account balances | 142 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250926150305NAL0013957442001, received 2025-09-26, EIN 33-1228936, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.