Christie Business Holding Company, PC 401(k) Review & Grade
Christie Clinic 401k Profit Sharing Plan
Champaign, ILHealth Care & Social Assistance992 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,728Employer $ per active participant
$5,898Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$231.0MNet plan assets, end of year
$171,504Average balance per account
Score breakdown
- Employer generosity47.9 / 5096th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1587th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 62th |
| Employee saving | 87th |
| 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
- Christie Business Holding Company put in about $7,728 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.
- 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 | $7,662,166 |
| Participant (employee) contributions | $5,848,172 |
| Other contributions (incl. rollovers in) | $490,795 |
| Administrative expenses paid from the plan | $347,355 |
| Investment advisory & management fees | $98,091 |
| Other admin expenses | $176 |
| Benefits paid out | $24,416,352 |
| Net assets, start / end of year | $209.8M / $231.0M |
| Active participants, start / end of year | 967 / 1,016 |
| Participants with account balances | 1,347 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Milliman, Inc. | $249,087 reported compensation |
| Cozad Asset Management in | $36,178 reported compensation |
| Charles Schwab Trust Bank | $9,712 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014150055NAL0003103633001, received 2025-10-14, EIN 26-2813652, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.