New Directions Behavioral Health, LLC 401(k) Review & Grade
New Directions Behavioral Health 401(k) Profit Sharing Plan and Trust
Overland Park, KSHealth Care & Social Assistance732 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,009Employer $ per active participant
$8,474Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$75.6MNet plan assets, end of year
$80,717Average balance per account
Score breakdown
- Employer generosity41.4 / 5083th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving14.4 / 1596th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 63th |
| Employee saving | 96th |
| 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
- New Directions Behavioral Health put in about $3,009 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,203,932 |
| Participant (employee) contributions | $6,206,927 |
| Other contributions (incl. rollovers in) | $712,608 |
| Administrative expenses paid from the plan | $105,821 |
| Investment advisory & management fees | $60,127 |
| Benefits paid out | $7,172,016 |
| Net assets, start / end of year | $64.7M / $75.6M |
| Active participants, start / end of year | 707 / 758 |
| Participants with account balances | 936 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Mma Securities | $50,000 reported compensation |
| Fidelity Investments Institutional | $45,694 reported compensation |
| Strategic Advisors, Inc. | $10,127 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250825111809NAL0003884483001, received 2025-08-25, EIN 43-1698690, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.