Turn Behavioral Health Services 401(k) Review & Grade
Turn Behavioral Health Services Retirement Plan
San Diego, CAHealth Care & Social Assistance630 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,775Employer $ per active participant
$2,284Employee $ saved per active participant
0.44%Direct admin cost, % of plan assets
$22.1MNet plan assets, end of year
$18,988Average balance per account
Score breakdown
- Employer generosity33.3 / 5067th percentile for employer $ per participant
- Low cost6.8 / 2527th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score50 / 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 | 67th |
| Lower admin cost | 27th |
| Employee saving | 45th |
| 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
- Turn Behavioral Health Services put in about $1,775 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 (0.44% 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.
- 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 | $1,117,209 |
| Participant (employee) contributions | $1,437,591 |
| Other contributions (incl. rollovers in) | $245,285 |
| Administrative expenses paid from the plan | $93,930 |
| Investment advisory & management fees | $20,799 |
| Other admin expenses | $5,821 |
| Benefits paid out | $3,493,528 |
| Net assets, start / end of year | $20.4M / $22.1M |
| Active participants, start / end of year | 640 / 619 |
| Participants with account balances | 1,164 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $30,774 reported compensation |
| Cornerstone Wealth Advisors, Inc. | $11,934 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260312103849NAL0006445792001, received 2026-03-12, EIN 95-3302967, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.