The Children's Village, Inc. 401(k) Review & Grade
The Children's Village, Inc. 401(k) Plan
Dobbs Ferry, NYHealth Care & Social Assistance1,412 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,787Employer $ per active participant
$2,738Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$47.0MNet plan assets, end of year
$26,621Average balance per account
Score breakdown
- Employer generosity40.5 / 5081th percentile for employer $ per participant
- Low cost20.1 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving8.0 / 1553th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 80th |
| Employee saving | 53th |
| 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
- Children's Village put in about $2,787 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.
- 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 | $3,933,971 |
| Participant (employee) contributions | $3,864,166 |
| Other contributions (incl. rollovers in) | $401,479 |
| Administrative expenses paid from the plan | $31,744 |
| Contract administrator fees | $31,744 |
| Benefits paid out | $4,218,586 |
| Net assets, start / end of year | $38.2M / $47.0M |
| Active participants, start / end of year | 1,372 / 1,451 |
| Participants with account balances | 1,767 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Lincoln National Corporation | $31,744 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014090929NAL0002472209001, received 2025-10-14, EIN 13-1739945, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.