Nassau County Ahrc Foundation, Inc. 401(k) Review & Grade
Associated Employers for the Help of the Developmentally Disabled 403(b) Plan
Brookville, NYOther Services2,065 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,519Employer $ per active participant
$1,279Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$78.2MNet plan assets, end of year
$37,650Average balance per account
Score breakdown
- Employer generosity28.8 / 5058th percentile for employer $ per participant
- Low cost14.7 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-15 pts2 issues reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 59th |
| Employee saving | 31th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($183,839 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- Nassau County Ahrc Foundation put in about $1,519 per active participant, more than the typical peer ($1,257). 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.
- 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 | $3,136,342 |
| Participant (employee) contributions | $2,640,191 |
| Other contributions (incl. rollovers in) | $710,208 |
| Administrative expenses paid from the plan | $130,486 |
| Contract administrator fees | $48,618 |
| Investment advisory & management fees | $81,868 |
| Benefits paid out | $7,367,455 |
| Net assets, start / end of year | $71.0M / $78.2M |
| Active participants, start / end of year | 2,401 / 1,729 |
| Participants with account balances | 2,077 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $81,868 reported compensation |
| Global Retirement Partners LLC | $48,618 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015152328NAL0002545315001, received 2025-10-15, EIN 11-1720254, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.