Jefferson City Medical Group, P.C. 401(k) Review & Grade
Jefferson City Medical Group, P. C. Profit Sharing Plan
Jefferson City, MOHealth Care & Social Assistance520 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,991Employer $ per active participant
$6,430Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$113.1MNet plan assets, end of year
$153,701Average balance per account
Score breakdown
- Employer generosity46.6 / 5093th percentile for employer $ per participant
- Low cost14.7 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score85 / 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 | 93th |
| Lower admin cost | 59th |
| Employee saving | 91th |
| 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
- Jefferson City Medical Group put in about $5,991 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $3,118,544 |
| Participant (employee) contributions | $3,346,633 |
| Other contributions (incl. rollovers in) | $412,441 |
| Administrative expenses paid from the plan | $185,128 |
| Investment advisory & management fees | $67,208 |
| Benefits paid out | $6,845,730 |
| Net assets, start / end of year | $100.2M / $113.1M |
| Active participants, start / end of year | 510 / 531 |
| Participants with account balances | 736 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Williams-Keepers, LLC |
Largest service providers (Schedule C)
| Epic Retirement Plan Services | $117,920 reported compensation |
| Moneta Group LLC | $67,208 reported compensation |
| Charles Schwab Trust Bank | $34,787 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013081508NAL0001478144001, received 2025-10-13, EIN 43-0954586, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.