Kings View 401(k) Review & Grade
Kings View 401(k) Plan
Fresno, CAHealth Care & Social Assistance508 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$900Employer $ per active participant
$2,967Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$18.2MNet plan assets, end of year
$29,002Average balance per account
Score breakdown
- Employer generosity24.0 / 5048th percentile for employer $ per participant
- Low cost17.7 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving8.4 / 1556th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score50 / 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 | 48th |
| Lower admin cost | 71th |
| Employee saving | 56th |
| 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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($2,250 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Kings View put in about $900 per active participant, below the typical peer ($976). 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.
- 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.
- 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 | $457,712 |
| Participant (employee) contributions | $1,508,722 |
| Other contributions (incl. rollovers in) | $12,940 |
| Administrative expenses paid from the plan | $20,105 |
| Contract administrator fees | $10,445 |
| Investment advisory & management fees | $4,933 |
| Benefits paid out | $2,957,498 |
| Net assets, start / end of year | $17.3M / $18.2M |
| Active participants, start / end of year | 457 / 560 |
| Participants with account balances | 628 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Lincoln National Corporation | $10,445 reported compensation |
| Mutual of America Investment Corp | $4,727 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260612103108NAL0008697424001, received 2026-06-12, EIN 94-1412648, plan #002, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.