Pathways Health & Community Supp 401(k) Review & Grade
Pathways 401(k) Plan
Fredericksburg, VAHealth Care & Social Assistance4,056 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$287Employer $ per active participant
$1,966Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$56.2MNet plan assets, end of year
$21,806Average balance per account
Score breakdown
- Employer generosity18.0 / 5036th percentile for employer $ per participant
- Low cost9.7 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 39th |
| Employee saving | 42th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $46,936 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pathways Health & Community Supp put in about $287 per active participant, below the typical peer ($800). 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 | $1,163,814 |
| Participant (employee) contributions | $7,972,809 |
| Other contributions (incl. rollovers in) | $838,760 |
| Administrative expenses paid from the plan | $91,559 |
| Investment advisory & management fees | $16,065 |
| Benefits paid out | $6,635,487 |
| Net assets, start / end of year | $47.3M / $56.2M |
| Active participants, start / end of year | 4,360 / 3,752 |
| Participants with account balances | 2,577 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $91,559 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013093117NAL0000423699001, received 2025-10-13, EIN 47-2525144, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.