West Shore Home, LLC 401(k) Review & Grade
West Shore Home, LLC 401(k) Plan
Mechanicsburg, PAConstruction2,403 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,396Employer $ per active participant
$5,216Employee $ saved per active participant
0.78%Direct admin cost, % of plan assets
$62.2MNet plan assets, end of year
$21,388Average balance per account
Score breakdown
- Employer generosity32.7 / 5065th percentile for employer $ per participant
- Low cost2.6 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 11th |
| Employee saving | 67th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,495 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- West Shore Home put in about $2,396 per active participant, more than the typical peer ($1,672). 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 (0.78% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $5,757,533 |
| Participant (employee) contributions | $12,534,377 |
| Other contributions (incl. rollovers in) | $2,483,168 |
| Administrative expenses paid from the plan | $410,034 |
| Contract administrator fees | $24,928 |
| Investment advisory & management fees | $122,388 |
| Benefits paid out | $8,628,079 |
| Net assets, start / end of year | $43.3M / $62.2M |
| Active participants, start / end of year | 2,377 / 2,429 |
| Participants with account balances | 2,910 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RKL LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Co | $262,718 reported compensation |
| LPL Financial | $100,874 reported compensation |
| PA Retirement Solutions, Inc | $24,928 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015075359NAL0005608464001, received 2025-10-15, EIN 30-0371596, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.