Planned Parenthood/orange and San Bernardino Counties, Inc. 401(k) Review & Grade
Planned Parenthood/orange and San Bernardino Counties, Inc. Retirement Plan
Anaheim, CAHealth Care & Social Assistance549 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,329Employer $ per active participant
$5,386Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$51.1MNet plan assets, end of year
$78,347Average balance per account
Score breakdown
- Employer generosity45.7 / 5091th percentile for employer $ per participant
- Low cost19.3 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1583th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score77 / 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 | 91th |
| Lower admin cost | 77th |
| Employee saving | 83th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,523 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Planned Parenthood/orange and San Bernardino Counties put in about $5,329 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 | $2,925,410 |
| Participant (employee) contributions | $2,956,816 |
| Other contributions (incl. rollovers in) | $378,594 |
| Administrative expenses paid from the plan | $41,300 |
| Investment advisory & management fees | $7,630 |
| Benefits paid out | $5,501,794 |
| Net assets, start / end of year | $43.8M / $51.1M |
| Active participants, start / end of year | 529 / 569 |
| Participants with account balances | 652 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $33,670 reported compensation |
| Strategic Advisors, Inc. | $7,630 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922135503NAL0002170803001, received 2025-09-22, EIN 95-6152773, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.