Compass Health, Inc. 401(k) Review & Grade
Compass Health, Inc. 401(k) Plan
Clinton, MOHealth Care & Social Assistance4,752 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,245Employer $ per active participant
$4,347Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$211.5MNet plan assets, end of year
$36,399Average balance per account
Score breakdown
- Employer generosity41.5 / 5083th percentile for employer $ per participant
- Low cost17.3 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 69th |
| Employee saving | 65th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,744 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Compass Health put in about $3,245 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.
- 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 | $15,418,020 |
| Participant (employee) contributions | $20,656,985 |
| Other contributions (incl. rollovers in) | $1,241,218 |
| Administrative expenses paid from the plan | $127,168 |
| Contract administrator fees | $127,168 |
| Benefits paid out | $12,712,708 |
| Net assets, start / end of year | $163.8M / $211.5M |
| Active participants, start / end of year | 4,504 / 5,000 |
| Participants with account balances | 5,812 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $778,667 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009162753NAL0004096531001, received 2025-10-09, EIN 43-1032835, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.