New Hampshire Catholic Charities, Inc. 401(k) Review & Grade
Catholic Charities New Hampshire 401(k) Retirement Plan
Manchester, NHOther Services560 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,658Employer $ per active participant
$2,492Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$25.8MNet plan assets, end of year
$33,671Average balance per account
Score breakdown
- Employer generosity31.0 / 5062th percentile for employer $ per participant
- Low cost23.3 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 93th |
| Employee saving | 48th |
| Peers that auto-enroll | 40% |
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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 Hampshire Catholic Charities put in about $1,658 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 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 | $927,488 |
| Participant (employee) contributions | $1,394,296 |
| Other contributions (incl. rollovers in) | $260,819 |
| Administrative expenses paid from the plan | $7,132 |
| Investment advisory & management fees | $3,543 |
| Benefits paid out | $3,059,180 |
| Net assets, start / end of year | $23.1M / $25.8M |
| Active participants, start / end of year | 495 / 624 |
| Participants with account balances | 766 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker, Newman & Noyes LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $3,589 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006110624NAL0002008867001, received 2025-10-06, EIN 02-0222163, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.