Yuma Regional Medical Center 401(k) Review & Grade
Yuma Regional Medical Center 401(k) Plan
Yuma, AZHealth Care & Social Assistance3,086 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,686Employer $ per active participant
$4,884Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$180.5MNet plan assets, end of year
–Average balance per account
Score breakdown
- Employer generosity39.5 / 5079th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 51th |
| Employee saving | 69th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,098 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Yuma Regional Medical Center put in about $2,686 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $8,288,794 |
| Participant (employee) contributions | $15,070,752 |
| Other contributions (incl. rollovers in) | $1,689,553 |
| Administrative expenses paid from the plan | $200,403 |
| Contract administrator fees | $200,403 |
| Benefits paid out | $20,004,590 |
| Net assets, start / end of year | $154.2M / $180.5M |
| Active participants, start / end of year | 2,934 / 3,237 |
| Participants with account balances | 0 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $225,303 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251113093245NAL0001985200001, received 2025-11-13, EIN 86-6007596, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.