Aya Healthcare Services, Inc. 401(k) Review & Grade
Aya Healthcare Services, Inc 401(k) Plan
San Diego, CAAdministrative, Support & Staffing Services50,496 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$623Employer $ per active participant
$1,524Employee $ saved per active participant
0.57%Direct admin cost, % of plan assets
$443.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity34.4 / 5069th percentile for employer $ per participant
- Low cost0.7 / 253th percentile for low admin cost vs. same-size plans
- Employee saving8.0 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 10,000+ active participants (33 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 3th |
| Employee saving | 53th |
| 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
- Aya Healthcare Services put in about $623 per active participant, more than the typical peer ($271). 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.
- Direct plan expenses (0.57% of assets) are well above similar-size plans (0.09%). 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 | $31,457,525 |
| Participant (employee) contributions | $76,980,804 |
| Other contributions (incl. rollovers in) | $17,216,254 |
| Administrative expenses paid from the plan | $2,185,116 |
| Contract administrator fees | $440,782 |
| Benefits paid out | $58,737,656 |
| Net assets, start / end of year | $326.4M / $443.0M |
| Active participants, start / end of year | 50,326 / 50,667 |
| Participants with account balances | 19,291 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | PKF San Diego, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Co. | $1,126,727 reported compensation |
| Empower Advisory Group, LLC | $561,301 reported compensation |
| San Diego Pension Consultants | $560,951 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250801105540NAL0010026704001, received 2025-08-01, EIN 27-1276573, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.