Inspire Development Centers 401(k) Review & Grade
Inspire Development Centers 401(k) Profit Sharing Plan
Sunnyside, WAHealth Care & Social Assistance916 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,409Employer $ per active participant
$1,700Employee $ saved per active participant
0.57%Direct admin cost, % of plan assets
$31.1MNet plan assets, end of year
$42,064Average balance per account
Score breakdown
- Employer generosity29.9 / 5060th percentile for employer $ per participant
- Low cost4.8 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 19th |
| Employee saving | 37th |
| 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
- Inspire Development Centers put in about $1,409 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.
- Direct plan expenses (0.57% 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 | $1,289,890 |
| Participant (employee) contributions | $1,556,719 |
| Other contributions (incl. rollovers in) | $16,877 |
| Administrative expenses paid from the plan | $168,123 |
| Investment advisory & management fees | $55,967 |
| Benefits paid out | $2,950,049 |
| Net assets, start / end of year | $28.1M / $31.1M |
| Active participants, start / end of year | 948 / 883 |
| Participants with account balances | 739 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen, LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $111,991 reported compensation |
| Ubs Financial Services, Inc. | $55,967 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250827155933NAL0005051763001, received 2025-08-27, EIN 91-1220150, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.