Grande Ronde Hospital Inc. 401(k) Review & Grade
Grande Ronde Hospital Employees' Savings Plan
La Grande, ORHealth Care & Social Assistance786 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,615Employer $ per active participant
$6,013Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$118.3MNet plan assets, end of year
$119,390Average balance per account
Score breakdown
- Employer generosity45.0 / 5090th percentile for employer $ per participant
- Low cost24.1 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 96th |
| Employee saving | 88th |
| 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 $61,573 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Grande Ronde Hospital put in about $4,615 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.
- 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.
- 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 | $3,629,842 |
| Participant (employee) contributions | $4,728,849 |
| Other contributions (incl. rollovers in) | $369,347 |
| Administrative expenses paid from the plan | $17,706 |
| Benefits paid out | $10,339,267 |
| Net assets, start / end of year | $103.1M / $118.3M |
| Active participants, start / end of year | 777 / 796 |
| Participants with account balances | 991 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dingus, Zarecor & Associates PLLC |
Largest service providers (Schedule C)
| Nwps | $17,706 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009170121NAL0011939728001, received 2025-10-09, EIN 93-0505325, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.