Community Health Association of Spokane 401(k) Review & Grade
Community Health Association of Spokane 401(k) Plan
Spokane, WAHealth Care & Social Assistance1,734 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,692Employer $ per active participant
$5,641Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$103.0MNet plan assets, end of year
$62,683Average balance per account
Score breakdown
- Employer generosity43.1 / 5086th percentile for employer $ per participant
- Low cost11.7 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score71 / 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 | 86th |
| Lower admin cost | 47th |
| Employee saving | 85th |
| 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
- Community Health Association of Spokane put in about $3,692 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 | $6,401,637 |
| Participant (employee) contributions | $9,781,925 |
| Other contributions (incl. rollovers in) | $3,031,668 |
| Administrative expenses paid from the plan | $229,768 |
| Contract administrator fees | $162,585 |
| Investment advisory & management fees | $67,183 |
| Benefits paid out | $6,865,169 |
| Net assets, start / end of year | $79.6M / $103.0M |
| Active participants, start / end of year | 1,691 / 1,777 |
| Participants with account balances | 1,643 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly, LLP |
Largest service providers (Schedule C)
| John Hancock Trust Company | $140,238 reported compensation |
| LPL Financial, LLC - Rpcp | $67,184 reported compensation |
| Randall & Hurley, Inc. | $500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250828081524NAL0010181393001, received 2025-08-28, EIN 91-1641797, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.