American Multispecialty Group DBA Esse Health 401(k) Review & Grade
Esse Health Profit Sharing Plan
ST Louis, MOHealth Care & Social Assistance830 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,113Employer $ per active participant
$6,956Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$206.5MNet plan assets, end of year
$205,220Average balance per account
Score breakdown
- Employer generosity36.1 / 5072th percentile for employer $ per participant
- Low cost13.4 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1593th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 54th |
| Employee saving | 93th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- American Multispecialty Group DBA Esse Health put in about $2,113 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.
- 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 | $1,753,558 |
| Participant (employee) contributions | $5,773,533 |
| Other contributions (incl. rollovers in) | $1,008,924 |
| Administrative expenses paid from the plan | $410,947 |
| Contract administrator fees | $13,815 |
| Investment advisory & management fees | $229,338 |
| Benefits paid out | $21,761,190 |
| Net assets, start / end of year | $196.6M / $206.5M |
| Active participants, start / end of year | 857 / 803 |
| Participants with account balances | 1,006 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Maher and Company PC |
Largest service providers (Schedule C)
| Acropolis Investment Management | $229,338 reported compensation |
| PCS Retirement, LLC | $166,159 reported compensation |
| DWC Erisa Consultants, LLC | $13,815 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015102225NAL0002139443001, received 2025-10-15, EIN 43-1383893, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.