Windsor House, Inc. 401(k) Review & Grade
Windsor House, Inc. 401(k) Savings Plan
Girard, OHHealth Care & Social Assistance1,146 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$150Employer $ per active participant
$868Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$17.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity9.5 / 5019th percentile for employer $ per participant
- Low cost7.4 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1519th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score23 / 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 | 19th |
| Lower admin cost | 30th |
| Employee saving | 19th |
| 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
- Windsor House put in about $150 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 (0.41% 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 | $171,826 |
| Participant (employee) contributions | $995,253 |
| Other contributions (incl. rollovers in) | $30,486 |
| Administrative expenses paid from the plan | $69,925 |
| Contract administrator fees | $69,925 |
| Benefits paid out | $1,437,915 |
| Net assets, start / end of year | $16.1M / $17.9M |
| Active participants, start / end of year | 1,150 / 1,143 |
| Participants with account balances | 316 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hill, Barth & King |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $69,925 reported compensation |
| Equitable Advisors, LLC. | $21,158 reported compensation |
| Equitable Network LLC | $2,141 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919101340NAL0001033635001, received 2025-09-19, EIN 34-0972320, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.