E Center 401(k) Review & Grade
403(b) Thrift Plan for Employees of E Center
Yuba City, CAHealth Care & Social Assistance512 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,548Employer $ per active participant
$744Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$12.1MNet plan assets, end of year
$17,154Average balance per account
Score breakdown
- Employer generosity31.3 / 5063th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 73th |
| Employee saving | 17th |
| 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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- E Center put in about $1,548 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.
- 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 | $792,372 |
| Participant (employee) contributions | $380,877 |
| Other contributions (incl. rollovers in) | $111,012 |
| Administrative expenses paid from the plan | $11,587 |
| Other admin expenses | $11,587 |
| Benefits paid out | $777,669 |
| Net assets, start / end of year | $10.5M / $12.1M |
| Active participants, start / end of year | 584 / 440 |
| Participants with account balances | 705 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $14,516 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014173130NAL0001733187001, received 2025-10-14, EIN 94-2232933, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.