Doctors Hospital at Renaissance 401(k) Review & Grade
Doctors Hospital at Renaissance 401(k) Plan
Edinburg, TXHealth Care & Social Assistance5,525 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$668Employer $ per active participant
$3,772Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$210.1MNet plan assets, end of year
$29,538Average balance per account
Score breakdown
- Employer generosity23.5 / 5047th percentile for employer $ per participant
- Low cost7.4 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-20 pts2 issues reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 30th |
| Employee saving | 59th |
| 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 ($1,258,309 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Auditor concern: the independent auditor gave a qualified or adverse opinion.
What to do if you're in this plan
- Doctors Hospital at Renaissance put in about $668 per active participant, below the typical peer ($800). 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.
- Direct plan expenses (0.23% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $3,690,068 |
| Participant (employee) contributions | $20,841,521 |
| Other contributions (incl. rollovers in) | $774,482 |
| Administrative expenses paid from the plan | $464,681 |
| Investment advisory & management fees | $62,507 |
| Benefits paid out | $26,753,024 |
| Net assets, start / end of year | $189.6M / $210.1M |
| Active participants, start / end of year | 5,429 / 5,621 |
| Participants with account balances | 7,113 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Smith, Fankhauser Voigt & Watson, P |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $372,674 reported compensation |
| Cerity Partners Retirement Services | $62,507 reported compensation |
| Smith Frankhauser Voigt & Watson, P | $29,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015161226NAL0002612195003, received 2025-10-15, EIN 74-2802643, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.