Sante Health Systems, Inc. 401(k) Review & Grade
Sante Health System Retirement Plan
Fresno, CAHealth Care & Social Assistance878 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$758Employer $ per active participant
$2,156Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$35.4MNet plan assets, end of year
$45,973Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score47 / 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 | 44th |
| Lower admin cost | 75th |
| Employee saving | 44th |
| 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
- Sante Health Systems put in about $758 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 | $665,486 |
| Participant (employee) contributions | $1,892,194 |
| Other contributions (incl. rollovers in) | $164,598 |
| Administrative expenses paid from the plan | $32,680 |
| Contract administrator fees | $32,680 |
| Benefits paid out | $3,070,755 |
| Net assets, start / end of year | $31.8M / $35.4M |
| Active participants, start / end of year | 887 / 868 |
| Participants with account balances | 771 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baerg & Associates, LLP |
Largest service providers (Schedule C)
| Cambridge Investment Research | $96,670 reported compensation |
| National Benefit Services | $16,825 reported compensation |
| Nationwide | $11,552 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014102931NAL0002524881001, received 2025-10-14, EIN 77-0382381, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.