Ensemble Health Partners Holdings, LLC 401(k) Review & Grade
Ensemble Retirement Savings Plan 401(k)
Cincinnati, OHHealth Care & Social Assistance10,380 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,261Employer $ per active participant
$4,155Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$269.2MNet plan assets, end of year
$19,943Average balance per account
Score breakdown
- Employer generosity19.3 / 5039th percentile for employer $ per participant
- Low cost2.1 / 258th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 10,000+ active participants (115 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 8th |
| Employee saving | 42th |
| Peers that auto-enroll | 52% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,302 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ensemble Health Partners Holdings put in about $1,261 per active participant, below the typical peer ($2,086). 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 (0.33% of assets) are well above similar-size plans (0.09%). 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.
- 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 | $13,090,505 |
| Participant (employee) contributions | $43,125,801 |
| Other contributions (incl. rollovers in) | $12,632,533 |
| Administrative expenses paid from the plan | $767,653 |
| Investment advisory & management fees | $66,480 |
| Other admin expenses | $19,500 |
| Benefits paid out | $22,945,922 |
| Net assets, start / end of year | $195.6M / $269.2M |
| Active participants, start / end of year | 8,771 / 11,990 |
| Participants with account balances | 13,498 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cassell Plan Audits P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $667,394 reported compensation |
| NFP Retirement Inc | $50,000 reported compensation |
| Strategic Advisors, Inc. | $31,480 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923083732NAL0005492385001, received 2025-09-23, EIN 84-2528019, plan #021, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.