Jewish Family Service of San Diego 401(k) Review & Grade
Jewish Family Service of San Diego Flexible Contribution Retirement Plan
San Diego, CAHealth Care & Social Assistance656 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,365Employer $ per active participant
$4,245Employee $ saved per active participant
0.60%Direct admin cost, % of plan assets
$25.5MNet plan assets, end of year
$27,758Average balance per account
Score breakdown
- Employer generosity38.1 / 5076th percentile for employer $ per participant
- Low cost4.4 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving10.7 / 1571th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score53 / 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 | 76th |
| Lower admin cost | 18th |
| Employee saving | 71th |
| 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 ($165,834 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Jewish Family Service of San Diego put in about $2,365 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.
- Direct plan expenses (0.60% 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.
- 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 | $1,552,873 |
| Participant (employee) contributions | $2,786,791 |
| Other contributions (incl. rollovers in) | $53,613 |
| Administrative expenses paid from the plan | $137,262 |
| Investment advisory & management fees | $47,380 |
| Benefits paid out | $2,296,914 |
| Net assets, start / end of year | $20.7M / $25.5M |
| Active participants, start / end of year | 717 / 596 |
| Participants with account balances | 917 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Aldrich Cpas and Advisors LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $79,382 reported compensation |
| Wells Fargo Clearing Services LLC | $47,380 reported compensation |
| Akt Cpas and Business Consultants | $10,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415154536NAL0020063713001, received 2026-04-15, EIN 95-1644024, plan #002, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.