Eskaton Properties, Inc. 401(k) Review & Grade
Eskaton 401(k) Plan
Carmichael, CAHealth Care & Social Assistance1,006 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,112Employer $ per active participant
$2,012Employee $ saved per active participant
0.42%Direct admin cost, % of plan assets
$10.1MNet plan assets, end of year
$19,885Average balance per account
Score breakdown
- Employer generosity26.5 / 5053th percentile for employer $ per participant
- Low cost7.3 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1542th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 29th |
| Employee saving | 42th |
| 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
- Eskaton Properties put in about $1,112 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 (0.42% 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 | $1,118,958 |
| Participant (employee) contributions | $2,024,684 |
| Other contributions (incl. rollovers in) | $2,835,111 |
| Administrative expenses paid from the plan | $30,425 |
| Investment advisory & management fees | $15,402 |
| Benefits paid out | $1,038,241 |
| Net assets, start / end of year | $4.4M / $10.1M |
| Active participants, start / end of year | 1,009 / 1,004 |
| Participants with account balances | 510 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $15,402 reported compensation |
| Empower Annuity Insurance Company O | $15,022 reported compensation |
| Everen Securities Inc | $12,223 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013190956NAL0001771521001, received 2025-10-13, EIN 94-2906316, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.