Golden Bear Physical Therapy Sports Injury Center, Inc. 401(k) Review & Grade
Golden Bear Physical Therapy Sports Injury Center, Inc. 401(k) Plan
Modesto, CAHealth Care & Social Assistance1,236 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,572Employer $ per active participant
$3,464Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$30.5MNet plan assets, end of year
$40,092Average balance per account
Score breakdown
- Employer generosity31.6 / 5063th percentile for employer $ per participant
- Low cost7.8 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 31th |
| Employee saving | 61th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $3,042 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Golden Bear Physical Therapy Sports Injury Center put in about $1,572 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 (0.39% 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 | $1,941,875 |
| Participant (employee) contributions | $4,280,002 |
| Other contributions (incl. rollovers in) | $1,077,306 |
| Administrative expenses paid from the plan | $105,631 |
| Contract administrator fees | $68,502 |
| Investment advisory & management fees | $37,129 |
| Benefits paid out | $4,062,442 |
| Net assets, start / end of year | $23.7M / $30.5M |
| Active participants, start / end of year | 1,211 / 1,260 |
| Participants with account balances | 760 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| John Hancock Life Insurance Company | $68,502 reported compensation |
| Creative Planning, LLC | $37,129 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008235700NAL0010571856001, received 2025-10-09, EIN 77-0581305, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.