US Oncology Corporate, Inc. 401(k) Review & Grade
Texas Oncology, P.A. 401(k) Plan
Dallas, TXHealth Care & Social Assistance4,696 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,719Employer $ per active participant
$8,139Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$1.2BNet plan assets, end of year
$189,381Average balance per account
Score breakdown
- Employer generosity48.7 / 5097th percentile for employer $ per participant
- Low cost22.7 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1592th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 91th |
| Employee saving | 92th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $36,138 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- US Oncology Corporate put in about $8,719 per active participant, more than the typical peer ($800). 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.
- 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 | $40,949,369 |
| Participant (employee) contributions | $38,223,689 |
| Other contributions (incl. rollovers in) | $10,653,762 |
| Administrative expenses paid from the plan | $307,150 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $71,730 |
| Benefits paid out | $80,627,088 |
| Net assets, start / end of year | $985.6M / $1.2B |
| Active participants, start / end of year | 4,548 / 4,845 |
| Participants with account balances | 6,110 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Melton & Melton |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $239,923 reported compensation |
| Nepc, LLC | $71,730 reported compensation |
| Melton and Melton | $14,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013100826NAL0002358578001, received 2025-10-13, EIN 75-2131429, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.