Capital Womens Care, LLC 401(k) Review & Grade
Capital Womens Care, LLC Employees 401(k) Plan
Fulton, MDHealth Care & Social Assistance908 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,938Employer $ per active participant
$6,392Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$147.0MNet plan assets, end of year
$165,779Average balance per account
Score breakdown
- Employer generosity41.2 / 5082th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1590th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score69 / 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 | 82th |
| Lower admin cost | 58th |
| Employee saving | 90th |
| 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
- Capital Womens Care put in about $2,938 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 | $2,667,398 |
| Participant (employee) contributions | $5,804,295 |
| Other contributions (incl. rollovers in) | $492,159 |
| Administrative expenses paid from the plan | $250,120 |
| Contract administrator fees | $229,040 |
| Other admin expenses | $21,080 |
| Benefits paid out | $12,980,155 |
| Net assets, start / end of year | $131.8M / $147.0M |
| Active participants, start / end of year | 995 / 821 |
| Participants with account balances | 887 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Williams Overman Pierce, LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $337 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015094119NAL0004207473001, received 2025-10-15, EIN 52-2112078, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.