Prime Time Healthcare, LLC 401(k) Review & Grade
PTH & Ab Staffing 401(k) Plan
Elkhorn, NEAdministrative, Support & Staffing Services3,039 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$52Employer $ per active participant
$168Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$21.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity13.3 / 5027th percentile for employer $ per participant
- Low cost24.5 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 98th |
| Employee saving | 15th |
| Peers that auto-enroll | 22% |
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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
- Prime Time Healthcare put in about $52 per active participant, below the typical peer ($342). 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.
- 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.
- 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 | $158,955 |
| Participant (employee) contributions | $509,694 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $1,250 |
| Benefits paid out | $177,329 |
| Net assets, start / end of year | $8.8M / $21.7M |
| Active participants, start / end of year | 3,003 / 3,075 |
| Participants with account balances | 819 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dana F. Cole Company, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $1,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014165238NAL0006865874001, received 2025-10-14, EIN 45-4687406, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.