Community Health Systems, Inc. 401(k) Review & Grade
Community Health Services of Georgia Profit Sharing Plan
Macon, GAHealth Care & Social Assistance5,822 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$937Employer $ per active participant
$1,714Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$150.1MNet plan assets, end of year
$37,280Average balance per account
Score breakdown
- Employer generosity26.8 / 5054th percentile for employer $ per participant
- Low cost11.7 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1540th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 47th |
| Employee saving | 40th |
| Peers that auto-enroll | 38% |
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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
- Community Health Systems put in about $937 per active participant, more than the typical peer ($800). 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 | $5,458,284 |
| Participant (employee) contributions | $9,977,801 |
| Other contributions (incl. rollovers in) | $396,053 |
| Administrative expenses paid from the plan | $189,655 |
| Contract administrator fees | $189,655 |
| Benefits paid out | $15,208,980 |
| Net assets, start / end of year | $132.9M / $150.1M |
| Active participants, start / end of year | 5,610 / 6,035 |
| Participants with account balances | 4,025 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mcnair, Mclemore, Middlebrooks & Co |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $189,655 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014121044NAL0001353875001, received 2025-10-14, EIN 74-3083593, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.