Arch Health Partners 401(k) Review & Grade
Arch Health Partners 401(k) Plan
Poway, CAHealth Care & Social Assistance685 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,678Employer $ per active participant
$4,307Employee $ saved per active participant
0.58%Direct admin cost, % of plan assets
$26.3MNet plan assets, end of year
$30,304Average balance per account
Score breakdown
- Employer generosity32.4 / 5065th percentile for employer $ per participant
- Low cost4.6 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving10.7 / 1571th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score48 / 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 | 65th |
| Lower admin cost | 19th |
| Employee saving | 71th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $18,874 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Arch Health Partners put in about $1,678 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 (0.58% 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 | $1,149,488 |
| Participant (employee) contributions | $2,950,585 |
| Other contributions (incl. rollovers in) | $78,945 |
| Administrative expenses paid from the plan | $142,003 |
| Investment advisory & management fees | $68,995 |
| Benefits paid out | $3,422,963 |
| Net assets, start / end of year | $22.7M / $26.3M |
| Active participants, start / end of year | 821 / 549 |
| Participants with account balances | 868 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $73,008 reported compensation |
| The Baldwin Group Wealth Advisors | $58,597 reported compensation |
| Strategic Advisors, Inc. | $10,398 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015184536NAL0002775411001, received 2025-10-15, EIN 27-1332228, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.