Radiology Partners Inc 401(k) Review & Grade
Radiology Partners, Inc. Associate Plan
Austin, TXHealth Care & Social Assistance768 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$26,477Employer $ per active participant
$19,058Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$129.7MNet plan assets, end of year
$139,287Average balance per account
Score breakdown
- Employer generosity49.8 / 50100th percentile for employer $ per participant
- Low cost21.5 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 1599th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score76 / 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 | 100th |
| Lower admin cost | 86th |
| Employee saving | 99th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($7,107,096 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $68,446 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Radiology Partners put in about $26,477 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $20,321,265 |
| Participant (employee) contributions | $14,627,394 |
| Other contributions (incl. rollovers in) | $5,640,449 |
| Administrative expenses paid from the plan | $66,915 |
| Investment advisory & management fees | $47,537 |
| Benefits paid out | $11,588,563 |
| Net assets, start / end of year | $116.2M / $129.7M |
| Active participants, start / end of year | 721 / 814 |
| Participants with account balances | 931 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Service, Inc | $29,556 reported compensation |
| Creative Planning Holdco LLC | $13,557 reported compensation |
| Charleston Financial Advisors | $9,854 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014132316NAL0001452963002, received 2025-10-14, EIN 46-1413340, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.