Integra Imaging, P.S. 401(k) Review & Grade
Healthcare Associates Profit Sharing Plan
Spokane, WAHealth Care & Social Assistance1,012 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,580Employer $ per active participant
$7,107Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$303.4MNet plan assets, end of year
$244,666Average balance per account
Score breakdown
- Employer generosity48.6 / 5097th percentile for employer $ per participant
- Low cost18.6 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving14.0 / 1593th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 74th |
| Employee saving | 93th |
| 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
- Integra Imaging, P.S. put in about $8,580 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 | $8,682,995 |
| Participant (employee) contributions | $7,192,106 |
| Other contributions (incl. rollovers in) | $546,763 |
| Administrative expenses paid from the plan | $278,089 |
| Investment advisory & management fees | $86,996 |
| Other admin expenses | $369 |
| Benefits paid out | $14,753,256 |
| Net assets, start / end of year | $257.5M / $303.4M |
| Active participants, start / end of year | 1,024 / 1,000 |
| Participants with account balances | 1,240 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Randall & Hurley, Inc. | $105,211 reported compensation |
| Broadridge/matrix Trust Co. | $88,511 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009112006NAL0003522227001, received 2025-10-09, EIN 46-1062769, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.