ST. John's Community Health 401(k) Review & Grade
ST. John's Commmunity Health 403(b) Plan
Los Angeles, CAHealth Care & Social Assistance1,040 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$999Employer $ per active participant
$2,135Employee $ saved per active participant
0.72%Direct admin cost, % of plan assets
$14.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity25.4 / 5051th percentile for employer $ per participant
- Low cost3.1 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 12th |
| Employee saving | 43th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $101,138 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- ST. John's Community Health put in about $999 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.
- Direct plan expenses (0.72% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $1,038,172 |
| Participant (employee) contributions | $2,219,303 |
| Other contributions (incl. rollovers in) | $42,982 |
| Administrative expenses paid from the plan | $93,715 |
| Benefits paid out | $1,568,255 |
| Net assets, start / end of year | $11.5M / $14.5M |
| Active participants, start / end of year | 961 / 1,118 |
| Participants with account balances | 498 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kieckhafer Schiffer LLP |
Largest service providers (Schedule C)
| World Investment Advisors LLC | $49,740 reported compensation |
| Empower Annuity Insurance Company O | $39,179 reported compensation |
| Empower Advisory Group LLC | $9,716 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910092529NAL0021035153001, received 2025-09-10, EIN 95-4067758, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.