Jewish Family & Children's Service Inc. 401(k) Review & Grade
Jewish Family & Children's Service Retirement Plan
Phoenix, AZHealth Care & Social Assistance516 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$687Employer $ per active participant
$1,407Employee $ saved per active participant
0.52%Direct admin cost, % of plan assets
$14.7MNet plan assets, end of year
$46,623Average balance per account
Score breakdown
- Employer generosity20.9 / 5042th percentile for employer $ per participant
- Low cost5.5 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score34 / 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 | 42th |
| Lower admin cost | 22th |
| Employee saving | 31th |
| 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
- Jewish Family & Children's Service put in about $687 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.
- Direct plan expenses (0.52% of assets) are well above similar-size plans (0.23%). 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 | $354,340 |
| Participant (employee) contributions | $725,288 |
| Other contributions (incl. rollovers in) | $42,024 |
| Administrative expenses paid from the plan | $74,579 |
| Contract administrator fees | $69,861 |
| Investment advisory & management fees | $2,143 |
| Other admin expenses | $2,575 |
| Benefits paid out | $1,869,639 |
| Net assets, start / end of year | $13.9M / $14.7M |
| Active participants, start / end of year | 469 / 562 |
| Participants with account balances | 316 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baldwin Moffitt Behm LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuitt | $70,369 reported compensation |
| Global Retirement Partners LLC | $27,853 reported compensation |
| Ascensus | $9,184 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260411174046NAL0009235027001, received 2026-04-11, EIN 86-0096781, plan #003, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.