Aspirion Health Resources 401(k) Review & Grade
Aspirion Health Resources 401(k) Profit Sharing Plan & Trust
Columbus, GAOther Services1,608 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,365Employer $ per active participant
$2,491Employee $ saved per active participant
0.62%Direct admin cost, % of plan assets
$24.0MNet plan assets, end of year
$25,068Average balance per account
Score breakdown
- Employer generosity26.5 / 5053th percentile for employer $ per participant
- Low cost4.1 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 16th |
| Employee saving | 48th |
| Peers that auto-enroll | 40% |
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 fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Aspirion Health Resources put in about $1,365 per active participant, more than the typical peer ($1,257). 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 (0.62% 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 | $2,194,721 |
| Participant (employee) contributions | $4,004,896 |
| Other contributions (incl. rollovers in) | $488,242 |
| Administrative expenses paid from the plan | $128,217 |
| Contract administrator fees | $84,571 |
| Investment advisory & management fees | $42,786 |
| Benefits paid out | $2,275,428 |
| Net assets, start / end of year | $17.2M / $24.0M |
| Active participants, start / end of year | 1,586 / 1,630 |
| Participants with account balances | 959 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Robinson, Grimes & Company P.C. |
Largest service providers (Schedule C)
| Paychex, Inc. | $77,482 reported compensation |
| Resources Investment Advisors, LLC | $31,879 reported compensation |
| Resources Investment Advisors | $10,907 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250909101744NAL0020148577001, received 2025-09-09, EIN 45-5040768, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.