New Vista Behavioral Healthcare, Inc. 401(k) Review & Grade
New Vista Behavioral Healthcare, Inc. 401(k) Plan
Lexington, KYHealth Care & Social Assistance868 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,362Employer $ per active participant
$1,985Employee $ saved per active participant
1.43%Direct admin cost, % of plan assets
$10.1MNet plan assets, end of year
$19,877Average balance per account
Score breakdown
- Employer generosity29.2 / 5058th percentile for employer $ per participant
- Low cost0.7 / 253th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score39 / 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 | 58th |
| Lower admin cost | 3th |
| Employee saving | 41th |
| 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
- New Vista Behavioral Healthcare put in about $1,362 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 (1.43% 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 | $1,182,167 |
| Participant (employee) contributions | $1,722,709 |
| Other contributions (incl. rollovers in) | $5,408 |
| Administrative expenses paid from the plan | $126,222 |
| Investment advisory & management fees | $36,846 |
| Other admin expenses | $19,210 |
| Benefits paid out | $1,166,750 |
| Net assets, start / end of year | $7.5M / $10.1M |
| Active participants, start / end of year | 877 / 859 |
| Participants with account balances | 510 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Deming, Malone, Livesay & Ostroff |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $70,166 reported compensation |
| Mma Securities LLC | $36,846 reported compensation |
| Creative Retirement Systems, Inc. | $17,523 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250818083248NAL0000535059001, received 2025-08-18, EIN 45-2412767, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.