Community Partners 401(k) Review & Grade
403(b) Thrift Plan for Employees of Community Partners
Los Angeles, CAHealth Care & Social Assistance866 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,691Employer $ per active participant
$2,303Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$31.2MNet plan assets, end of year
$27,879Average balance per account
Score breakdown
- Employer generosity32.4 / 5065th percentile for employer $ per participant
- Low cost21.8 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving6.9 / 1546th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default 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 | 65th |
| Lower admin cost | 87th |
| Employee saving | 46th |
| 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 Partners put in about $1,691 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.
- 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 | $1,464,322 |
| Participant (employee) contributions | $1,994,678 |
| Other contributions (incl. rollovers in) | $524,589 |
| Administrative expenses paid from the plan | $14,928 |
| Other admin expenses | $14,928 |
| Benefits paid out | $3,844,072 |
| Net assets, start / end of year | $27.6M / $31.2M |
| Active participants, start / end of year | 843 / 889 |
| Participants with account balances | 1,119 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Singerlewak, LLP |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $14,928 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260413131207NAL0018086128001, received 2026-04-13, EIN 95-4302067, plan #003, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.