Vibra Healthcare, LLC 401(k) Review & Grade
Vibra Healthcare Retirement Plan
Mechanicsburg, PAHealth Care & Social Assistance3,996 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$332Employer $ per active participant
$4,206Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$185.3MNet plan assets, end of year
$29,645Average balance per account
Score breakdown
- Employer generosity19.0 / 5038th percentile for employer $ per participant
- Low cost5.3 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 21th |
| Employee saving | 63th |
| Peers that auto-enroll | 38% |
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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
- Vibra Healthcare put in about $332 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.
- Direct plan expenses (0.32% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $1,325,103 |
| Participant (employee) contributions | $16,804,184 |
| Other contributions (incl. rollovers in) | $1,027,965 |
| Administrative expenses paid from the plan | $574,745 |
| Investment advisory & management fees | $59,027 |
| Other admin expenses | $1,500 |
| Benefits paid out | $28,883,487 |
| Net assets, start / end of year | $173.1M / $185.3M |
| Active participants, start / end of year | 4,787 / 3,204 |
| Participants with account balances | 6,251 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mckonly & Asbury, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $499,218 reported compensation |
| Empower Advisory Group | $59,027 reported compensation |
| Brown Schultz Sheridan & Fritz | $15,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001160531NAL0021260434001, received 2025-10-01, EIN 05-0602943, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.