Oxford Healthcare Management, Inc. 401(k) Review & Grade
Oxford Healthcare Management, Inc. 401(k) Retirement Savings Plan
Oxford, MSHealth Care & Social Assistance598 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$415Employer $ per active participant
$1,074Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$10.0MNet plan assets, end of year
$25,402Average balance per account
Score breakdown
- Employer generosity15.4 / 5031th percentile for employer $ per participant
- Low cost10.9 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving3.4 / 1523th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 44th |
| Employee saving | 23th |
| 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
- Oxford Healthcare Management put in about $415 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.
- 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 | $248,585 |
| Participant (employee) contributions | $642,859 |
| Other contributions (incl. rollovers in) | $21,617 |
| Administrative expenses paid from the plan | $26,103 |
| Contract administrator fees | $24,250 |
| Investment advisory & management fees | $35 |
| Other admin expenses | $1,818 |
| Benefits paid out | $824,155 |
| Net assets, start / end of year | $8.9M / $10.0M |
| Active participants, start / end of year | 622 / 575 |
| Participants with account balances | 392 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Watkins Uiberall, PLLC |
Largest service providers (Schedule C)
| Cbiz Investment Advisory Services | $25,935 reported compensation |
| Cbiz Benefits and Insurance Service | $8,145 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013211638NAL0000947907001, received 2025-10-13, EIN 20-1721311, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.