True North Health Navigation LLC 401(k) Review & Grade
Dispatchhealth 401(k) Retirement Plan
Denver, COHealth Care & Social Assistance1,816 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$872Employer $ per active participant
$3,566Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$37.1MNet plan assets, end of year
$18,197Average balance per account
Score breakdown
- Employer generosity23.6 / 5047th percentile for employer $ per participant
- Low cost17.8 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 71th |
| Employee saving | 63th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- True North Health Navigation put in about $872 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.
- 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 | $1,583,139 |
| Participant (employee) contributions | $6,478,407 |
| Other contributions (incl. rollovers in) | $685,743 |
| Administrative expenses paid from the plan | $37,051 |
| Contract administrator fees | $36,993 |
| Investment advisory & management fees | $58 |
| Benefits paid out | $5,602,327 |
| Net assets, start / end of year | $29.4M / $37.1M |
| Active participants, start / end of year | 2,059 / 1,574 |
| Participants with account balances | 2,040 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $36,993 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015134900NAL0002518147001, received 2025-10-15, EIN 46-3143864, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.