One Call Corporation 401(k) Review & Grade
One Call Combined 401(k) Profit Sharing Plan
Jacksonville, FLHealth Care & Social Assistance1,962 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,285Employer $ per active participant
$3,780Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$97.7MNet plan assets, end of year
$39,099Average balance per account
Score breakdown
- Employer generosity28.4 / 5057th percentile for employer $ per participant
- Low cost7.8 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 31th |
| Employee saving | 65th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $17,613 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- One Call put in about $1,285 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 (0.39% 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.
- 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 | $2,520,867 |
| Participant (employee) contributions | $7,416,296 |
| Other contributions (incl. rollovers in) | $1,038,069 |
| Administrative expenses paid from the plan | $365,168 |
| Investment advisory & management fees | $40,000 |
| Other admin expenses | $204 |
| Benefits paid out | $9,814,459 |
| Net assets, start / end of year | $89.1M / $97.7M |
| Active participants, start / end of year | 1,995 / 1,929 |
| Participants with account balances | 2,498 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $290,434 reported compensation |
| Anderson Financial Partners | $40,000 reported compensation |
| Bdo | $34,530 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015150846NAL0005248081001, received 2025-10-15, EIN 22-3218521, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.