Ehealth Insurance Services, Inc. 401(k) Review & Grade
Ehealth Insurance Services, Inc. 401(k) Plan
Austin, TXFinance & Insurance1,692 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,881Employer $ per active participant
$5,583Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$93.9MNet plan assets, end of year
$40,638Average balance per account
Score breakdown
- Employer generosity18.4 / 5037th percentile for employer $ per participant
- Low cost7.0 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 28th |
| Employee saving | 30th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($509,891 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
- Ehealth Insurance Services put in about $2,881 per active participant, below the typical peer ($3,606). 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 (0.43% 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $4,876,572 |
| Participant (employee) contributions | $9,449,193 |
| Other contributions (incl. rollovers in) | $1,888,922 |
| Administrative expenses paid from the plan | $370,197 |
| Other admin expenses | $370,197 |
| Benefits paid out | $11,547,434 |
| Net assets, start / end of year | $77.6M / $93.9M |
| Active participants, start / end of year | 1,718 / 1,667 |
| Participants with account balances | 2,310 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $233,069 reported compensation |
| Sageview Advisory Group LLC | $75,392 reported compensation |
| Vanguard Advisers Inc. | $38,962 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010114904NAL0013029088001, received 2025-10-10, EIN 77-0470789, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.