Metro Infectious Disease Consultant 401(k) Review & Grade
Metro Infectious Disease Consultants, LLC Profit
Burr Ridge, ILHealth Care & Social Assistance532 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,659Employer $ per active participant
$11,346Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$101.6MNet plan assets, end of year
$168,830Average balance per account
Score breakdown
- Employer generosity39.7 / 5079th percentile for employer $ per participant
- Low cost20.6 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving14.7 / 1598th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score78 / 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 | 79th |
| Lower admin cost | 83th |
| Employee saving | 98th |
| 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
- Metro Infectious Disease Consultant put in about $2,659 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 | $1,414,534 |
| Participant (employee) contributions | $6,036,001 |
| Other contributions (incl. rollovers in) | $783,013 |
| Administrative expenses paid from the plan | $61,704 |
| Contract administrator fees | $8,025 |
| Investment advisory & management fees | $52,204 |
| Other admin expenses | $1,475 |
| Benefits paid out | $3,016,579 |
| Net assets, start / end of year | $83.8M / $101.6M |
| Active participants, start / end of year | 506 / 558 |
| Participants with account balances | 602 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sikich CPA LLC |
Largest service providers (Schedule C)
| Voya Retirement Advisors, LLC | $33,733 reported compensation |
| Sikich | $16,340 reported compensation |
| Morningstar | $13,014 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015101024NAL0004544513001, received 2025-10-15, EIN 36-3966745, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.