The Center for Neurological and Neurodevelopmental Health (cnnh) 401(k) Review & Grade
Cnnh 401(k) Plan
Voorhees, NJHealth Care & Social Assistance622 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$432Employer $ per active participant
$918Employee $ saved per active participant
0.62%Direct admin cost, % of plan assets
$4.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity15.7 / 5031th percentile for employer $ per participant
- Low cost4.2 / 2517th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 17th |
| Employee saving | 20th |
| Peers that auto-enroll | 36% |
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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
- Center for Neurological and Neurodevelopmental Health (cnnh) put in about $432 per active participant, below the typical peer ($976). 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.
- Direct plan expenses (0.62% 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 | $268,352 |
| Participant (employee) contributions | $570,301 |
| Other contributions (incl. rollovers in) | $149,320 |
| Administrative expenses paid from the plan | $27,004 |
| Contract administrator fees | $5,317 |
| Investment advisory & management fees | $21,687 |
| Benefits paid out | $739,728 |
| Net assets, start / end of year | $4.0M / $4.8M |
| Active participants, start / end of year | 580 / 663 |
| Participants with account balances | 131 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RKL LLP |
Largest service providers (Schedule C)
| NFP Retirement | $16,671 reported compensation |
| The Vanguard Group, Inc. | $5,317 reported compensation |
| Kubhera Enterprises | $5,016 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014133638NAL0006102386001, received 2025-10-14, EIN 20-3812482, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.