Arizona Community Physicians, P.C. 401(k) Review & Grade
Arizona Community Physicians, P.C. 401(k) Profit Sharing Plan & Trust
Tucson, AZHealth Care & Social Assistance804 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,589Employer $ per active participant
$5,935Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$151.8MNet plan assets, end of year
$171,522Average balance per account
Score breakdown
- Employer generosity47.2 / 5094th percentile for employer $ per participant
- Low cost16.4 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score70 / 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 | 94th |
| Lower admin cost | 66th |
| Employee saving | 88th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Arizona Community Physicians put in about $6,589 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 | $5,300,453 |
| Participant (employee) contributions | $4,774,999 |
| Other contributions (incl. rollovers in) | $856,089 |
| Administrative expenses paid from the plan | $198,433 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $78,167 |
| Other admin expenses | $24,981 |
| Benefits paid out | $14,742,890 |
| Net assets, start / end of year | $136.5M / $151.8M |
| Active participants, start / end of year | 778 / 831 |
| Participants with account balances | 885 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Roberts Group Cpas, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $121,678 reported compensation |
| Wellspring Financial Partners | $78,167 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013182437NAL0002553408001, received 2025-10-13, EIN 86-0767800, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.