Alternative Behavior Strategies, LLC 401(k) Review & Grade
Alternative Behavior Strategies Retirement Plan
Encino, CAHealth Care & Social Assistance2,368 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$615Employer $ per active participant
$1,152Employee $ saved per active participant
0.62%Direct admin cost, % of plan assets
$20.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity19.8 / 5040th percentile for employer $ per participant
- Low cost4.1 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score31 / 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 | 40th |
| Lower admin cost | 16th |
| Employee saving | 26th |
| 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
- Alternative Behavior Strategies put in about $615 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 (0.62% 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 | $1,455,677 |
| Participant (employee) contributions | $2,727,314 |
| Other contributions (incl. rollovers in) | $226,988 |
| Administrative expenses paid from the plan | $110,539 |
| Contract administrator fees | $86,378 |
| Investment advisory & management fees | $24,161 |
| Benefits paid out | $1,629,062 |
| Net assets, start / end of year | $15.2M / $20.3M |
| Active participants, start / end of year | 2,012 / 2,723 |
| Participants with account balances | 802 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Tanner LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $86,378 reported compensation |
| Onedigital Investment Advisors | $24,176 reported compensation |
| Fintegrity Group PC | $5,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260731163326NAL0028929728001, received 2026-07-31, EIN 27-5073382, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.