Survival Flight Air Ambulance, LLC 401(k) Review & Grade
Survival Flight Air Ambulance, LLC 401(k) Profit Sharing Plan
Chandler, AZHealth Care & Social Assistance552 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,392Employer $ per active participant
$5,629Employee $ saved per active participant
0.48%Direct admin cost, % of plan assets
$14.5MNet plan assets, end of year
$18,030Average balance per account
Score breakdown
- Employer generosity29.7 / 5059th percentile for employer $ per participant
- Low cost6.0 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score54 / 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 | 59th |
| Lower admin cost | 24th |
| Employee saving | 85th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- Survival Flight Air Ambulance put in about $1,392 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 (0.48% 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 | $769,133 |
| Participant (employee) contributions | $3,110,099 |
| Other contributions (incl. rollovers in) | $925,183 |
| Administrative expenses paid from the plan | $58,279 |
| Other admin expenses | $58,279 |
| Benefits paid out | $1,148,494 |
| Net assets, start / end of year | $9.5M / $14.5M |
| Active participants, start / end of year | 482 / 623 |
| Participants with account balances | 805 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Price, Kong & Co., C.p.a.'s, P.A. |
Largest service providers (Schedule C)
| T. Rowe Price RPS, Inc. | $58,279 reported compensation |
| Eagleasset | $0 reported compensation |
| Pimco Funds | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015110822NAL0002189267001, received 2025-10-15, EIN 46-3108455, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.