The Vancouver Clinic, Inc., P.S. 401(k) Review & Grade
The Vancouver Clinic, Inc., P.S. 401(k) Retirement Savings Plan
Vancouver, PAHealth Care & Social Assistance2,313 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,456Employer $ per active participant
$7,274Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$370.6MNet plan assets, end of year
$126,359Average balance per account
Score breakdown
- Employer generosity38.5 / 5077th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score79 / 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 | 77th |
| Lower admin cost | 67th |
| Employee saving | 94th |
| 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
- Vancouver Clinic, Inc., P.S. put in about $2,456 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 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 | $5,679,588 |
| Participant (employee) contributions | $16,824,259 |
| Other contributions (incl. rollovers in) | $2,982,134 |
| Administrative expenses paid from the plan | $466,034 |
| Investment advisory & management fees | $95,406 |
| Benefits paid out | $29,849,425 |
| Net assets, start / end of year | $329.1M / $370.6M |
| Active participants, start / end of year | 2,263 / 2,363 |
| Participants with account balances | 2,933 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $437,520 reported compensation |
| Multnomah Group Inc | $86,432 reported compensation |
| Moss Adams LLP | $13,650 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009105037NAL0006857713001, received 2025-10-09, EIN 91-0851599, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.