Pinnacle Treatment Centers, Inc. 401(k) Review & Grade
Pinnacle Treatment Centers Employee 401k Plan
MT. Laurel, NJHealth Care & Social Assistance2,112 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,193Employer $ per active participant
$2,395Employee $ saved per active participant
0.51%Direct admin cost, % of plan assets
$41.3MNet plan assets, end of year
$22,462Average balance per account
Score breakdown
- Employer generosity27.5 / 5055th percentile for employer $ per participant
- Low cost5.6 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 22th |
| Employee saving | 48th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $21,085 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pinnacle Treatment Centers put in about $1,193 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.
- Direct plan expenses (0.51% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,520,570 |
| Participant (employee) contributions | $5,058,076 |
| Other contributions (incl. rollovers in) | $597,043 |
| Administrative expenses paid from the plan | $188,050 |
| Contract administrator fees | $181,950 |
| Other admin expenses | $6,100 |
| Benefits paid out | $3,443,453 |
| Net assets, start / end of year | $32.3M / $41.3M |
| Active participants, start / end of year | 936 / 3,288 |
| Participants with account balances | 1,837 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Connolly Steele & Company |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $188,063 reported compensation |
| Morningstar | $5,561 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015100156NAL0002208467001, received 2025-10-15, EIN 56-2623168, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.