Integrative Emergency Services, LLC 401(k) Review & Grade
Integrative Emergency Services, LLC 401(k) Plan
Dallas, TXHealth Care & Social Assistance1,169 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,241Employer $ per active participant
$9,708Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$108.1MNet plan assets, end of year
$93,962Average balance per account
Score breakdown
- Employer generosity44.3 / 5089th percentile for employer $ per participant
- Low cost14.2 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 57th |
| Employee saving | 97th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,237,187 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $17,238 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Integrative Emergency Services put in about $4,241 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,957,882 |
| Participant (employee) contributions | $11,348,984 |
| Other contributions (incl. rollovers in) | $1,492,050 |
| Administrative expenses paid from the plan | $176,078 |
| Investment advisory & management fees | $105,530 |
| Benefits paid out | $6,074,220 |
| Net assets, start / end of year | $82.2M / $108.1M |
| Active participants, start / end of year | 1,356 / 982 |
| Participants with account balances | 1,151 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Creative Planning LLC | $93,333 reported compensation |
| Empower Annuity Insurance Company O | $70,548 reported compensation |
| Empower Advisory Group, LLC | $10,646 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013182926NAL0003845298001, received 2025-10-13, EIN 61-1778177, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.