Wesley Family Services 401(k) Review & Grade
Wesley Family Services 401(k) Retirement Plan
Wilkinsburg, PAHealth Care & Social Assistance644 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,460Employer $ per active participant
$2,593Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$29.7MNet plan assets, end of year
$52,893Average balance per account
Score breakdown
- Employer generosity30.5 / 5061th percentile for employer $ per participant
- Low cost6.4 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 26th |
| Employee saving | 51th |
| 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
- Wesley Family Services put in about $1,460 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.
- Direct plan expenses (0.46% 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 | $939,767 |
| Participant (employee) contributions | $1,668,449 |
| Other contributions (incl. rollovers in) | $100,290 |
| Administrative expenses paid from the plan | $127,261 |
| Contract administrator fees | $127,261 |
| Benefits paid out | $1,484,364 |
| Net assets, start / end of year | $25.5M / $29.7M |
| Active participants, start / end of year | 614 / 673 |
| Participants with account balances | 562 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fort Pitt Capital Group LLC | $65,276 reported compensation |
| Empower Annuity Insurance Company O | $50,137 reported compensation |
| Definiti, LLC | $37,113 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260405212116NAL0005689857001, received 2026-04-05, EIN 82-0653875, plan #004, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.