Inperium, Inc. 401(k) Review & Grade
Inperium & Family of Services 401(k) Plan
Reading, PAHealth Care & Social Assistance3,622 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$0Employer $ per active participant
$1,604Employee $ saved per active participant
0.95%Direct admin cost, % of plan assets
$37.4MNet plan assets, end of year
$12,128Average balance per account
Score breakdown
- Employer generosity4.0 / 508th percentile for employer $ per participant
- Low cost1.2 / 255th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 5th |
| Employee saving | 36th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $23,904 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Inperium put in about $0 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.
- Direct plan expenses (0.95% of assets) are well above similar-size plans (0.12%). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $628 |
| Participant (employee) contributions | $5,808,998 |
| Other contributions (incl. rollovers in) | $3,338,424 |
| Administrative expenses paid from the plan | $310,216 |
| Investment advisory & management fees | $61,772 |
| Benefits paid out | $4,099,880 |
| Net assets, start / end of year | $28.1M / $37.4M |
| Active participants, start / end of year | 3,128 / 4,115 |
| Participants with account balances | 3,082 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Maher Duessel |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $248,444 reported compensation |
| M Holdings, Securities, Inc | $61,772 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251229093722NAL0017578289001, received 2025-12-29, EIN 81-1159891, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.