Friendship Community Care Inc. 401(k) Review & Grade
Friendship Community Care Inc. 401k Profit Sharing Plan
Russellville, ARHealth Care & Social Assistance1,107 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$258Employer $ per active participant
$972Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$16.7MNet plan assets, end of year
$19,293Average balance per account
Score breakdown
- Employer generosity12.1 / 5024th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving3.2 / 1521th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score33 / 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 | 24th |
| Lower admin cost | 82th |
| Employee saving | 21th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($47,779 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $17,445 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Friendship Community Care put in about $258 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $285,895 |
| Participant (employee) contributions | $1,075,804 |
| Other contributions (incl. rollovers in) | $9,228 |
| Administrative expenses paid from the plan | $10,609 |
| Contract administrator fees | $10,609 |
| Benefits paid out | $1,306,976 |
| Net assets, start / end of year | $15.0M / $16.7M |
| Active participants, start / end of year | 1,065 / 1,149 |
| Participants with account balances | 868 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Landmark PLC Cpas |
Largest service providers (Schedule C)
| American United Life Insurance Co | $111,745 reported compensation |
| Edward D Jones and Co | $22,341 reported compensation |
| Mesirow Financial Inv. Management | $7,760 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415153324NAL0026449696001, received 2026-04-15, EIN 71-0433583, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.