Aspire Health Partners 401(k) Review & Grade
Aspire Health Partners Retirement Plan
Orlando, FLHealth Care & Social Assistance1,146 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$612Employer $ per active participant
$1,666Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$27.0MNet plan assets, end of year
$18,062Average balance per account
Score breakdown
- Employer generosity19.7 / 5039th percentile for employer $ per participant
- Low cost10.2 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
Total score42 / 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 | 39th |
| Lower admin cost | 41th |
| Employee saving | 36th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Aspire Health Partners put in about $612 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 | $701,466 |
| Participant (employee) contributions | $1,909,535 |
| Other contributions (incl. rollovers in) | $147,543 |
| Administrative expenses paid from the plan | $79,448 |
| Contract administrator fees | $79,448 |
| Benefits paid out | $4,822,526 |
| Net assets, start / end of year | $26.2M / $27.0M |
| Active participants, start / end of year | 1,149 / 1,144 |
| Participants with account balances | 1,493 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withum |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $79,448 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260506110006NAL0001879681001, received 2026-05-06, EIN 59-2301233, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.