Central California Faculty Medical Group, Inc. 401(k) Review & Grade
Central California Faculty Medical Group, Inc. 401(k) Profit Sharing Plan
Fresno, CAHealth Care & Social Assistance606 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$15,286Employer $ per active participant
$11,218Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$201.8MNet plan assets, end of year
$197,280Average balance per account
Score breakdown
- Employer generosity49.5 / 5099th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving14.7 / 1598th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 54th |
| Employee saving | 98th |
| 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
- Central California Faculty Medical Group put in about $15,286 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.
- 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 | $9,255,773 |
| Participant (employee) contributions | $6,792,776 |
| Other contributions (incl. rollovers in) | $379,840 |
| Administrative expenses paid from the plan | $385,483 |
| Contract administrator fees | $50,000 |
| Investment advisory & management fees | $11,286 |
| Other admin expenses | $3,698 |
| Benefits paid out | $17,812,449 |
| Net assets, start / end of year | $181.9M / $201.8M |
| Active participants, start / end of year | 609 / 602 |
| Participants with account balances | 1,023 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bean Hunt Harris & Co |
Largest service providers (Schedule C)
| Sageview Advisory Group | $110,254 reported compensation |
| Carlson Quinn | $99,246 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001103436NAL0015935632001, received 2025-10-01, EIN 94-2613220, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.