Advanced Home Health Care, Inc. 401(k) Review & Grade
Brightstar Care 401(k) Plan
Columbus, OHHealth Care & Social Assistance1,042 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500-SF filing · How we grade
$22Employer $ per active participant
$29Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$151,544Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.9 / 5010th percentile for employer $ per participant
- Low cost9.0 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving0.2 / 151th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score24 / 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 | 10th |
| Lower admin cost | 36th |
| Employee saving | 1th |
| 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
- Advanced Home Health Care put in about $22 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.
- 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 | $22,806 |
| Participant (employee) contributions | $30,122 |
| Other contributions (incl. rollovers in) | $1,671 |
| Administrative expenses paid from the plan | $424 |
| Benefits paid out | $13,680 |
| Net assets, start / end of year | $97,384 / $151,544 |
| Active participants, start / end of year | 1,019 / 1,066 |
| Participants with account balances | 52 |
| Auto-enrollment (feature code 2S) | Yes |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250528130854NAL0006619793001, received 2025-05-28, EIN 80-0219189, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.