Pacific Retirement Services, Inc. 401(k) Review & Grade
Pacific Retirement Services, Inc. 401(k) Plan
Medford, ORHealth Care & Social Assistance2,777 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,488Employer $ per active participant
$1,990Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$111.8MNet plan assets, end of year
$48,999Average balance per account
Score breakdown
- Employer generosity38.3 / 5077th percentile for employer $ per participant
- Low cost5.1 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1542th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 20th |
| Employee saving | 42th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($7,078 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $7,992 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pacific Retirement Services put in about $2,488 per active participant, more than the typical peer ($800). 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.
- Direct plan expenses (0.33% of assets) are well above similar-size plans (0.12%). 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 | $6,909,435 |
| Participant (employee) contributions | $5,527,297 |
| Other contributions (incl. rollovers in) | $1,316,822 |
| Administrative expenses paid from the plan | $342,453 |
| Contract administrator fees | $342,453 |
| Benefits paid out | $10,693,144 |
| Net assets, start / end of year | $97.0M / $111.8M |
| Active participants, start / end of year | 2,570 / 2,984 |
| Participants with account balances | 2,282 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Valic Retirement Services Co. | $340,502 reported compensation |
| Variable Annuity Life Insurance Co. | $1,951 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923111128NAL0002519731001, received 2025-09-23, EIN 93-1067253, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.