Compugroup Medical, Inc. 401(k) Review & Grade
Compugroup Medical Systems 401(k) Plan
Austin, TXProfessional, Scientific & Technical Services544 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,567Employer $ per active participant
$5,461Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$43.2MNet plan assets, end of year
$78,590Average balance per account
Score breakdown
- Employer generosity13.8 / 5028th percentile for employer $ per participant
- Low cost8.4 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 34th |
| Employee saving | 27th |
| Peers that auto-enroll | 48% |
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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
- Compugroup Medical put in about $1,567 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- 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 (0.36% 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.
- 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 | $853,246 |
| Participant (employee) contributions | $2,973,530 |
| Other contributions (incl. rollovers in) | $188,636 |
| Administrative expenses paid from the plan | $150,568 |
| Investment advisory & management fees | $107,745 |
| Benefits paid out | $4,916,834 |
| Net assets, start / end of year | $39.6M / $43.2M |
| Active participants, start / end of year | 588 / 501 |
| Participants with account balances | 550 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Mercer Investments LLC | $102,771 reported compensation |
| Empower Annuity Insurance Company O | $42,823 reported compensation |
| Empower Advisory Group, LLC | $4,974 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730185529NAL0008997010001, received 2025-07-30, EIN 32-0307150, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.