Allied Services Foundation, Inc. 401(k) Review & Grade
Allied Services Foundation, Inc. 401(k) Retirement Savings Plan
Clarks Summit, PAHealth Care & Social Assistance2,325 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$508Employer $ per active participant
$1,736Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$103.0MNet plan assets, end of year
$32,320Average balance per account
Score breakdown
- Employer generosity17.8 / 5036th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving5.6 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 41th |
| Employee saving | 37th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,003 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Allied Services Foundation put in about $508 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 | $1,180,802 |
| Participant (employee) contributions | $4,037,333 |
| Other contributions (incl. rollovers in) | $277,586 |
| Administrative expenses paid from the plan | $292,155 |
| Contract administrator fees | $242,877 |
| Investment advisory & management fees | $49,278 |
| Benefits paid out | $7,632,333 |
| Net assets, start / end of year | $95.3M / $103.0M |
| Active participants, start / end of year | 2,327 / 2,323 |
| Participants with account balances | 3,186 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Lincoln National Corporation | $242,877 reported compensation |
| Morgan Stanley | $49,278 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009102713NAL0006441217001, received 2025-10-09, EIN 23-2523682, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.