Cabell Huntington Hospital, Inc. 401(k) Review & Grade
Cabell Huntington Hospital, Inc. Bargaining 401(k) Retirement Plan
Huntington, WVHealth Care & Social Assistance1,050 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,064Employer $ per active participant
$2,389Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$22.5MNet plan assets, end of year
$20,460Average balance per account
Score breakdown
- Employer generosity26.0 / 5052th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score49 / 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 | 52th |
| Lower admin cost | 23th |
| Employee saving | 47th |
| Peers that auto-enroll | 36% |
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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
- Cabell Huntington Hospital put in about $1,064 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 (0.50% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,117,485 |
| Participant (employee) contributions | $2,508,620 |
| Other contributions (incl. rollovers in) | $87,598 |
| Administrative expenses paid from the plan | $101,985 |
| Contract administrator fees | $101,985 |
| Benefits paid out | $1,859,917 |
| Net assets, start / end of year | $18.4M / $22.5M |
| Active participants, start / end of year | 1,049 / 1,051 |
| Participants with account balances | 1,101 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Suttle & Stalnaker, PLLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $101,984 reported compensation |
| RBC Capital Markets, LLC | $8,308 reported compensation |
| Wilshire Advisors LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251016133646NAL0003217699001, received 2025-10-16, EIN 55-0675666, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.