Missouri Delta Medical Center 401(k) Review & Grade
Missouri Delta Medical Center Pension Plan
Sikeston, MOHealth Care & Social Assistance764 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,297Employer $ per active participant
$3,802Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$43.3MNet plan assets, end of year
$50,796Average balance per account
Score breakdown
- Employer generosity28.5 / 5057th percentile for employer $ per participant
- Low cost21.9 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score70 / 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 | 57th |
| Lower admin cost | 88th |
| Employee saving | 66th |
| 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
- Missouri Delta Medical Center put in about $1,297 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 | $990,212 |
| Participant (employee) contributions | $2,902,807 |
| Other contributions (incl. rollovers in) | $784,127 |
| Administrative expenses paid from the plan | $19,865 |
| Contract administrator fees | $13,036 |
| Investment advisory & management fees | $6,829 |
| Benefits paid out | $3,084,734 |
| Net assets, start / end of year | $37.1M / $43.3M |
| Active participants, start / end of year | 742 / 785 |
| Participants with account balances | 852 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kerber Eck & Braeckel LLP |
Largest service providers (Schedule C)
| American United Life Insurance Co | $212,382 reported compensation |
| TFB Advisors LLC | $6,829 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715085122NAL0001898995001, received 2026-07-15, EIN 43-0633449, plan #002, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.