Impact of Oregon, Inc. 401(k) Review & Grade
Impact 401(k) Plan
Medford, ORHealth Care & Social Assistance510 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$136Employer $ per active participant
$232Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$194,297Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity9.0 / 5018th percentile for employer $ per participant
- Low cost7.4 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 154th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-5 pts1 issue reported on the filing
Total score12 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 30th |
| Employee saving | 4th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Impact of Oregon put in about $136 per active participant, below the typical peer ($976). 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 (0.41% 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 | $69,298 |
| Participant (employee) contributions | $118,544 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $795 |
| Benefits paid out | $0 |
| Net assets, start / end of year | $0 / $194,297 |
| Active participants, start / end of year | 0 / 510 |
| Participants with account balances | 42 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250821110229NAL0004208161001, received 2025-08-21, EIN 84-4207699, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.