The Institutes of Applied Human Dynamics, Inc. 401(k) Review & Grade
403(b) Thrift Plan for Employees of the Institutes of Applied Human Dynamics, Inc.
Tarrytown, NYHealth Care & Social Assistance1,022 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$488Employer $ per active participant
$1,115Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$17.9MNet plan assets, end of year
$20,276Average balance per account
Score breakdown
- Employer generosity17.3 / 5035th percentile for employer $ per participant
- Low cost21.4 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving3.7 / 1525th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score52 / 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 | 35th |
| Lower admin cost | 86th |
| Employee saving | 25th |
| 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
- Institutes of Applied Human Dynamics put in about $488 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.
- 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 | $499,412 |
| Participant (employee) contributions | $1,139,918 |
| Other contributions (incl. rollovers in) | $371,362 |
| Administrative expenses paid from the plan | $9,416 |
| Other admin expenses | $9,416 |
| Benefits paid out | $1,358,732 |
| Net assets, start / end of year | $16.1M / $17.9M |
| Active participants, start / end of year | 1,000 / 1,045 |
| Participants with account balances | 885 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grassi & Co. Cpas P.C. |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $12,511 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014161928NAL0003265233001, received 2025-10-14, EIN 13-2573827, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.