Astor Services for Children an 401(k) Review & Grade
403(b) Thrift Plan for Employees of Astor Services for Children and Families
Rhinebeck, NYHealth Care & Social Assistance540 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,588Employer $ per active participant
$2,430Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$34.7MNet plan assets, end of year
$32,448Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost22.7 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 91th |
| Employee saving | 48th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Astor Services for Children an put in about $3,588 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $1,939,475 |
| Participant (employee) contributions | $1,313,685 |
| Other contributions (incl. rollovers in) | $384,825 |
| Administrative expenses paid from the plan | $12,012 |
| Other admin expenses | $12,012 |
| Benefits paid out | $1,578,981 |
| Net assets, start / end of year | $28.5M / $34.7M |
| Active participants, start / end of year | 514 / 567 |
| Participants with account balances | 1,069 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $12,011 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009101338NAL0010740208001, received 2025-10-09, EIN 14-1397918, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.