Rush Copley Medical Center 401(k) Review & Grade
Rush Copley Medical Center Employees' Savings Plan
Aurora, ILHealth Care & Social Assistance2,754 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,643Employer $ per active participant
$4,889Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$312.8MNet plan assets, end of year
$124,285Average balance per account
Score breakdown
- Employer generosity32.2 / 5064th percentile for employer $ per participant
- Low cost9.9 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 40th |
| Employee saving | 70th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Rush Copley Medical Center put in about $1,643 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.
- 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 | $4,523,455 |
| Participant (employee) contributions | $13,461,545 |
| Other contributions (incl. rollovers in) | $2,503,720 |
| Administrative expenses paid from the plan | $519,996 |
| Contract administrator fees | $38,583 |
| Investment advisory & management fees | $170,200 |
| Other admin expenses | $167,837 |
| Benefits paid out | $29,513,199 |
| Net assets, start / end of year | $286.5M / $312.8M |
| Active participants, start / end of year | 2,763 / 2,744 |
| Participants with account balances | 2,517 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $180,628 reported compensation |
| Cerity Partners LLC | $170,200 reported compensation |
| Qdro Consultants Company,llc | $1,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014140202NAL0001467571001, received 2025-10-14, EIN 36-2170840, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.