Health and Palliative Services of the Treasure Coast, Inc. 401(k) Review & Grade
Treasure Coast Hospice Retirement Plan
Stuart, FLHealth Care & Social Assistance621 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,140Employer $ per active participant
$2,912Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$23.8MNet plan assets, end of year
$22,197Average balance per account
Score breakdown
- Employer generosity26.9 / 5054th percentile for employer $ per participant
- Low cost9.7 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving8.3 / 1555th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 39th |
| Employee saving | 55th |
| 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
- Health and Palliative Services of the Treasure Coast put in about $1,140 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 | $707,866 |
| Participant (employee) contributions | $1,808,638 |
| Other contributions (incl. rollovers in) | $2,489,946 |
| Administrative expenses paid from the plan | $67,855 |
| Investment advisory & management fees | $18,000 |
| Other admin expenses | $149 |
| Benefits paid out | $2,482,610 |
| Net assets, start / end of year | $19.1M / $23.8M |
| Active participants, start / end of year | 631 / 611 |
| Participants with account balances | 1,071 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $59,080 reported compensation |
| Onedigital Investment Advisors LLC | $18,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260909142925NAL0004180401001, received 2026-09-09, EIN 20-1683870, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.