Medstar Cabulance Inc 401(k) Review & Grade
Medstar Cabulance Inc 401(k) Plan
Yakima, WAHealth Care & Social Assistance644 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$104Employer $ per active participant
$256Employee $ saved per active participant
0.59%Direct admin cost, % of plan assets
$457,042Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity7.6 / 5015th percentile for employer $ per participant
- Low cost4.5 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving0.8 / 155th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score6 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 15th |
| Lower admin cost | 18th |
| Employee saving | 5th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($47,206 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
- Medstar Cabulance put in about $104 per active participant, below the typical peer ($976). 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.
- Direct plan expenses (0.59% 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 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 | $66,665 |
| Participant (employee) contributions | $164,742 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $2,055 |
| Benefits paid out | $37,979 |
| Net assets, start / end of year | $241,459 / $457,042 |
| Active participants, start / end of year | 649 / 639 |
| Participants with account balances | 159 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250721095001NAL0001662128001, received 2025-07-21, EIN 91-1592547, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.