Capital Health Services, Inc. 401(k) Review & Grade
Capital Health Services, Inc. Savings Plan & Trust
Miamisburg, OHHealth Care & Social Assistance526 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$986Employer $ per active participant
$1,455Employee $ saved per active participant
1.33%Direct admin cost, % of plan assets
$8.8MNet plan assets, end of year
$23,073Average balance per account
Score breakdown
- Employer generosity25.1 / 5050th percentile for employer $ per participant
- Low cost0.9 / 253th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score34 / 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 | 50th |
| Lower admin cost | 3th |
| Employee saving | 32th |
| 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
- Capital Health Services put in about $986 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 (1.33% 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 | $518,400 |
| Participant (employee) contributions | $765,247 |
| Other contributions (incl. rollovers in) | $61,796 |
| Administrative expenses paid from the plan | $111,135 |
| Contract administrator fees | $111,135 |
| Benefits paid out | $1,335,039 |
| Net assets, start / end of year | $7.9M / $8.8M |
| Active participants, start / end of year | 514 / 538 |
| Participants with account balances | 383 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante Moran |
Largest service providers (Schedule C)
| Empower Annuity Ins Co. of America | $56,087 reported compensation |
| Empower Advisory Group, LLC | $25,647 reported compensation |
| Benefit Plans Plus, LLC | $25,294 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250716095428NAL0002298931001, received 2025-07-16, EIN 20-1292646, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.