Jevs Human Services 401(k) Review & Grade
Jevs Human Services 401(k) Plan
Philadelphia, PAHealth Care & Social Assistance876 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,184Employer $ per active participant
$1,854Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$28.8MNet plan assets, end of year
$32,598Average balance per account
Score breakdown
- Employer generosity27.2 / 5054th percentile for employer $ per participant
- Low cost10.9 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 43th |
| Employee saving | 39th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $27,137 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Jevs Human Services put in about $1,184 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.
- 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 | $1,036,407 |
| Participant (employee) contributions | $1,623,059 |
| Other contributions (incl. rollovers in) | $484,252 |
| Administrative expenses paid from the plan | $75,793 |
| Investment advisory & management fees | $66,145 |
| Benefits paid out | $3,599,189 |
| Net assets, start / end of year | $25.9M / $28.8M |
| Active participants, start / end of year | 882 / 869 |
| Participants with account balances | 884 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen, LLC |
Largest service providers (Schedule C)
| Global Retirement Partners LLC | $45,000 reported compensation |
| Empower Advisory Group, LLC | $21,145 reported compensation |
| Empower Annuity Ins Co of America | $9,648 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260710153838NAL0001136579001, received 2026-07-10, EIN 23-1352118, plan #003, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.