American Health Companies LLC 401(k) Review & Grade
Ahc 401(k) Profit Sharing Plan
Parsons, TNHealth Care & Social Assistance3,554 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$366Employer $ per active participant
$1,224Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$55.2MNet 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 cost15.9 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 64th |
| Employee saving | 30th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $104,032 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- American Health Companies put in about $366 per active participant, below the typical peer ($800). 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.
- 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 | $1,301,704 |
| Participant (employee) contributions | $4,350,034 |
| Other contributions (incl. rollovers in) | $2,043,842 |
| Administrative expenses paid from the plan | $42,304 |
| Investment advisory & management fees | $10,972 |
| Benefits paid out | $7,327,537 |
| Net assets, start / end of year | $48.7M / $55.2M |
| Active participants, start / end of year | 3,645 / 3,462 |
| Participants with account balances | 1,490 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lbmc, PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $31,384 reported compensation |
| Strategic Advisors, Inc. | $10,972 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007094803NAL0007655184001, received 2025-10-07, EIN 62-1191112, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.