Opportunity Village 401(k) Review & Grade
403(b) Thrift Plan for Employees of Opportunity Village
Las Vegas, NVHealth Care & Social Assistance528 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$782Employer $ per active participant
$1,023Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$13.2MNet plan assets, end of year
$22,335Average balance per account
Score breakdown
- Employer generosity22.5 / 5045th percentile for employer $ per participant
- Low cost21.8 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 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 | 45th |
| Lower admin cost | 87th |
| Employee saving | 22th |
| 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
- Opportunity Village put in about $782 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.
- 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.
- 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 | $412,548 |
| Participant (employee) contributions | $539,705 |
| Other contributions (incl. rollovers in) | $577 |
| Administrative expenses paid from the plan | $6,161 |
| Other admin expenses | $6,161 |
| Benefits paid out | $594,535 |
| Net assets, start / end of year | $11.5M / $13.2M |
| Active participants, start / end of year | 535 / 520 |
| Participants with account balances | 592 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Houldsworth, Russo, & Company, P.C. |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $7,850 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014123142NAL0002766929001, received 2025-10-14, EIN 88-6003567, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.