Sarnova HC, LLC 401(k) Review & Grade
Sarnova HC, LLC Profit Sharing Plan and Trust
Dublin, OHManufacturing1,352 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,200Employer $ per active participant
$6,613Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$100.0MNet plan assets, end of year
$62,783Average balance per account
Score breakdown
- Employer generosity33.0 / 5066th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 51th |
| Employee saving | 70th |
| Peers that auto-enroll | 59% |
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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
- Sarnova HC put in about $3,200 per active participant, more than the typical peer ($2,320). 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 | $4,328,645 |
| Participant (employee) contributions | $8,944,653 |
| Other contributions (incl. rollovers in) | $2,006,503 |
| Administrative expenses paid from the plan | $209,943 |
| Investment advisory & management fees | $7,974 |
| Other admin expenses | $61,082 |
| Benefits paid out | $17,624,475 |
| Net assets, start / end of year | $88.8M / $100.0M |
| Active participants, start / end of year | 1,306 / 1,399 |
| Participants with account balances | 1,593 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $126,635 reported compensation |
| Resource Investment Advisors LLC | $59,000 reported compensation |
| Onedigital Topco LLC | $7,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003132507NAL0001454721001, received 2025-10-03, EIN 26-2549813, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.