Prohealth Care, Inc. 401(k) Review & Grade
Prohealth Retirement Savings Plan
Waukesha, WIHealth Care & Social Assistance4,858 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,300Employer $ per active participant
$5,927Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$635.2MNet plan assets, end of year
$111,572Average balance per account
Score breakdown
- Employer generosity37.3 / 5075th percentile for employer $ per participant
- Low cost15.6 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving12.1 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 63th |
| Employee saving | 81th |
| Peers that auto-enroll | 38% |
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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
- Prohealth Care put in about $2,300 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.
- 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 | $11,173,930 |
| Participant (employee) contributions | $28,791,273 |
| Other contributions (incl. rollovers in) | $5,035,310 |
| Administrative expenses paid from the plan | $526,452 |
| Investment advisory & management fees | $76,136 |
| Benefits paid out | $101,498,242 |
| Net assets, start / end of year | $612.7M / $635.2M |
| Active participants, start / end of year | 5,197 / 4,518 |
| Participants with account balances | 5,693 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $435,624 reported compensation |
| Lockbox Sageview Advisory Group LLC | $74,774 reported compensation |
| Plante & Moran PLLC | $13,900 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930112223NAL0012181457001, received 2025-09-30, EIN 39-1486873, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.