Community Medical Services Holdings, LLC 401(k) Review & Grade
Community Medical Services 401(k)
Scottsdale, AZHealth Care & Social Assistance957 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,167Employer $ per active participant
$2,305Employee $ saved per active participant
0.75%Direct admin cost, % of plan assets
$11.9MNet plan assets, end of year
$22,561Average balance per account
Score breakdown
- Employer generosity27.2 / 5054th percentile for employer $ per participant
- Low cost2.8 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving6.9 / 1546th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 11th |
| Employee saving | 46th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,315 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Community Medical Services Holdings put in about $1,167 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 (0.75% 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,117,014 |
| Participant (employee) contributions | $2,205,646 |
| Other contributions (incl. rollovers in) | $609,939 |
| Administrative expenses paid from the plan | $77,289 |
| Contract administrator fees | $77,289 |
| Benefits paid out | $1,962,136 |
| Net assets, start / end of year | $8.7M / $11.9M |
| Active participants, start / end of year | 871 / 1,043 |
| Participants with account balances | 526 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $77,289 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250609123005NAL0041520498001, received 2025-06-09, EIN 47-0989023, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.