Post Acute Medical, LLC 401(k) Review & Grade
Post Acute Medical, LLC 401(k) Plan
Enola, PAHealth Care & Social Assistance8,287 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$183Employer $ per active participant
$1,676Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$90.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.5 / 5029th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1539th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 59th |
| Employee saving | 39th |
| Peers that auto-enroll | 38% |
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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 ($4,512,027 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $20,868 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Post Acute Medical put in about $183 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.
- 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 | $1,514,689 |
| Participant (employee) contributions | $13,888,717 |
| Other contributions (incl. rollovers in) | $2,596,969 |
| Administrative expenses paid from the plan | $76,069 |
| Contract administrator fees | $76,069 |
| Benefits paid out | $8,683,793 |
| Net assets, start / end of year | $72.7M / $90.2M |
| Active participants, start / end of year | 8,701 / 7,873 |
| Participants with account balances | 2,680 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mckonly & Asbury, LLP |
Largest service providers (Schedule C)
| Lincoln National Corporation | $76,069 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010162306NAL0008473473001, received 2025-10-10, EIN 65-1293677, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.