Nuclear Care Partners, LLC 401(k) Review & Grade
Nuclear Care Partners Retirement Plan
Grand Junction, COHealth Care & Social Assistance1,232 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$189Employer $ per active participant
$730Employee $ saved per active participant
0.93%Direct admin cost, % of plan assets
$4.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity10.4 / 5021th percentile for employer $ per participant
- Low cost1.9 / 257th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1516th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score15 / 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 | 21th |
| Lower admin cost | 7th |
| Employee saving | 16th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $35,712 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Nuclear Care Partners put in about $189 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 (0.93% 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.
- 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 | $233,333 |
| Participant (employee) contributions | $898,396 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $38,170 |
| Contract administrator fees | $19,139 |
| Investment advisory & management fees | $19,031 |
| Benefits paid out | $262,627 |
| Net assets, start / end of year | $3.5M / $4.7M |
| Active participants, start / end of year | 1,236 / 1,227 |
| Participants with account balances | 192 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Newport Group, Inc. | $19,139 reported compensation |
| Charles Schwab | $19,031 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260112131959NAL0015130291001, received 2026-01-12, EIN 45-1564059, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.