Preservation of Affordable Housing, Inc. 401(k) Review & Grade
Poah/poahc 401(k) Plan
Boston, MAReal Estate & Rental587 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,556Employer $ per active participant
$5,028Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$38.0MNet plan assets, end of year
$55,811Average balance per account
Score breakdown
- Employer generosity38.8 / 5078th percentile for employer $ per participant
- Low cost23.6 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving10.0 / 1567th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 94th |
| Employee saving | 67th |
| Peers that auto-enroll | 47% |
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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
- Preservation of Affordable Housing put in about $2,556 per active participant, more than the typical peer ($1,279). 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.
- 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 | $1,500,123 |
| Participant (employee) contributions | $2,951,603 |
| Other contributions (incl. rollovers in) | $275,051 |
| Administrative expenses paid from the plan | $8,321 |
| Investment advisory & management fees | $3,496 |
| Benefits paid out | $3,480,563 |
| Net assets, start / end of year | $31.9M / $38.0M |
| Active participants, start / end of year | 552 / 622 |
| Participants with account balances | 681 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $4,825 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013144753NAL0002226288001, received 2025-10-13, EIN 31-1616634, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.