Options for Southern Oregon, Inc. 401(k) Review & Grade
Options for Southern Oregon, Inc. 403(b) Plan
Grant Pass, ORHealth Care & Social Assistance506 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,041Employer $ per active participant
$4,430Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$28.8MNet plan assets, end of year
$54,266Average balance per account
Score breakdown
- Employer generosity41.5 / 5083th percentile for employer $ per participant
- Low cost10.0 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score65 / 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 | 83th |
| Lower admin cost | 40th |
| Employee saving | 73th |
| 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
- Options for Southern Oregon put in about $3,041 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.
- 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 | $1,540,205 |
| Participant (employee) contributions | $2,243,969 |
| Other contributions (incl. rollovers in) | $70,225 |
| Administrative expenses paid from the plan | $80,483 |
| Benefits paid out | $1,774,071 |
| Net assets, start / end of year | $24.1M / $28.8M |
| Active participants, start / end of year | 494 / 519 |
| Participants with account balances | 530 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jones & Roth, PC |
Largest service providers (Schedule C)
| Variable Annuity Life Insurance Co | $80,482 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260403163715NAL0005095619001, received 2026-04-03, EIN 93-0804385, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.