Options for All, Incorporated 401(k) Review & Grade
Options for All Retirement Savings Plan
San Diego, CAHealth Care & Social Assistance666 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$387Employer $ per active participant
$653Employee $ saved per active participant
1.69%Direct admin cost, % of plan assets
$4.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.7 / 5029th percentile for employer $ per participant
- Low cost0.5 / 252th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1514th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 2th |
| Employee saving | 14th |
| 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
- Options for All, Incorporated put in about $387 per active participant, below the typical peer ($976). Any match is still an instant return, so contribute enough to get all of it.
- 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 (1.69% 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.
- 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 | $257,694 |
| Participant (employee) contributions | $435,326 |
| Other contributions (incl. rollovers in) | $9,631 |
| Administrative expenses paid from the plan | $68,099 |
| Contract administrator fees | $68,099 |
| Benefits paid out | $211,322 |
| Net assets, start / end of year | $3.6M / $4.5M |
| Active participants, start / end of year | 441 / 892 |
| Participants with account balances | 212 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | JGD & Associates |
Largest service providers (Schedule C)
| Onedigital Investment Advisors | $8,950 reported compensation |
| Integrated Wealth Concepts LLC | $7,779 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260410144402NAL0016229187001, received 2026-04-10, EIN 83-0471805, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.