College Hospital Group, Inc. 401(k) Review & Grade
College Health Enterprises 401(k) Savings Plan
Santa Fe Springs, CAHealth Care & Social Assistance2,742 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$595Employer $ per active participant
$2,541Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$97.3MNet plan assets, end of year
$54,235Average balance per account
Score breakdown
- Employer generosity22.8 / 5046th percentile for employer $ per participant
- Low cost14.4 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 58th |
| Employee saving | 48th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($660,622 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- College Hospital Group put in about $595 per active participant, below the typical peer ($800). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,631,385 |
| Participant (employee) contributions | $6,969,607 |
| Other contributions (incl. rollovers in) | $876,376 |
| Administrative expenses paid from the plan | $90,175 |
| Contract administrator fees | $90,175 |
| Benefits paid out | $6,330,063 |
| Net assets, start / end of year | $85.0M / $97.3M |
| Active participants, start / end of year | 2,675 / 2,810 |
| Participants with account balances | 1,794 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hansen Hunter & Co. P.C. |
Largest service providers (Schedule C)
| Voya Retirement Advisors, LLC | $30,994 reported compensation |
| Morning Star | $13,065 reported compensation |
| Voya Retirement Insurance and Annui | $909 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015171825NAL0010512418001, received 2025-10-15, EIN 20-1514870, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.