Immanuel 401(k) Review & Grade
Immanuel Retirement Plan
Omaha, NEHealth Care & Social Assistance1,441 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,948Employer $ per active participant
$2,629Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$53.4MNet plan assets, end of year
$44,494Average balance per account
Score breakdown
- Employer generosity34.9 / 5070th percentile for employer $ per participant
- Low cost9.1 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1552th 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 | 70th |
| Lower admin cost | 36th |
| Employee saving | 52th |
| Peers that auto-enroll | 36% |
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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
- Immanuel put in about $1,948 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 | $2,807,657 |
| Participant (employee) contributions | $3,788,553 |
| Other contributions (incl. rollovers in) | $824,287 |
| Administrative expenses paid from the plan | $164,814 |
| Contract administrator fees | $122,339 |
| Investment advisory & management fees | $42,475 |
| Benefits paid out | $3,633,132 |
| Net assets, start / end of year | $44.1M / $53.4M |
| Active participants, start / end of year | 1,462 / 1,420 |
| Participants with account balances | 1,200 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $122,339 reported compensation |
| RBC Capital Markets LLC | $42,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251113175114NAL0001290691001, received 2025-11-13, EIN 47-0733774, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.