Act for Health DBA Professional Case Management 401(k) Review & Grade
Professional Case Management 401(k) Plan
Denver, COHealth Care & Social Assistance3,724 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$189Employer $ per active participant
$570Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$9.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity15.0 / 5030th percentile for employer $ per participant
- Low cost21.6 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving2.7 / 1518th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score32 / 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 | 30th |
| Lower admin cost | 86th |
| Employee saving | 18th |
| 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 ($82,638 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Act for Health DBA Professional Case Management put in about $189 per active participant, below the typical peer ($800). 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.
- 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 | $702,699 |
| Participant (employee) contributions | $2,122,565 |
| Other contributions (incl. rollovers in) | $410,144 |
| Administrative expenses paid from the plan | $2,860 |
| Other admin expenses | $2,860 |
| Benefits paid out | $531,943 |
| Net assets, start / end of year | $5.9M / $9.5M |
| Active participants, start / end of year | 1,893 / 5,554 |
| Participants with account balances | 419 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| T. Rowe Price RPS, Inc. | $2,860 reported compensation |
| Prudential Total Return | $0 reported compensation |
| Dimensional Funds | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929135516NAL0005072419001, received 2025-09-29, EIN 84-1383042, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.