Endeavor Health 401(k) Review & Grade
Endeavor Health 401(k) Plan
Evanston, ILHealth Care & Social Assistance28,616 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,066Employer $ per active participant
$6,909Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$2.3BNet plan assets, end of year
$82,513Average balance per account
Score breakdown
- Employer generosity43.9 / 5088th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 10,000+ active participants (115 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 88th |
| Lower admin cost | 70th |
| Employee saving | 88th |
| Peers that auto-enroll | 52% |
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
Corrective distributions: the plan refunded $31,149 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Endeavor Health put in about $4,066 per active participant, more than the typical peer ($2,086). 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 | $116,342,966 |
| Participant (employee) contributions | $197,707,542 |
| Other contributions (incl. rollovers in) | $80,296,953 |
| Administrative expenses paid from the plan | $1,069,856 |
| Contract administrator fees | $5,400 |
| Other admin expenses | −$36,209 |
| Benefits paid out | $194,423,416 |
| Net assets, start / end of year | $1.9B / $2.3B |
| Active participants, start / end of year | 28,727 / 28,506 |
| Participants with account balances | 28,097 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mitchell & Titus, LLP |
Largest service providers (Schedule C)
| Seyfarth Shaw | $524,730 reported compensation |
| Fidelity Investments Institutional | $463,204 reported compensation |
| Mitchell & Titus, LLP | $78,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001155427NAL0032018258001, received 2025-10-01, EIN 87-4520691, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.