Child-Parent Centers Inc. 401(k) Review & Grade
Child-Parent Centers, Inc. Retirement Plan
Tucson, AZHealth Care & Social Assistance588 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,298Employer $ per active participant
$1,228Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$46.8MNet plan assets, end of year
$69,749Average balance per account
Score breakdown
- Employer generosity42.3 / 5085th percentile for employer $ per participant
- Low cost8.7 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 35th |
| Employee saving | 28th |
| 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
- Child-Parent Centers put in about $3,298 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 (0.35% 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.
- 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 | $1,937,290 |
| Participant (employee) contributions | $721,306 |
| Other contributions (incl. rollovers in) | $55,867 |
| Administrative expenses paid from the plan | $158,288 |
| Investment advisory & management fees | $64,671 |
| Benefits paid out | $3,497,987 |
| Net assets, start / end of year | $42.6M / $46.8M |
| Active participants, start / end of year | 614 / 561 |
| Participants with account balances | 671 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Beach Fleischman |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $93,617 reported compensation |
| Wells Fargo Advisors Fin Network LL | $64,671 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260518162654NAL0000346081001, received 2026-05-18, EIN 86-0204557, plan #001, plan year 2024-09-01 to 2025-08-31. Verify at efast.dol.gov.