La Clinica Del Valle Family Health Care Center, Inc. 401(k) Review & Grade
La Clinica Del Valle Family Health Care Center, Inc. 403(b) Plan
Medford, ORHealth Care & Social Assistance500 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,890Employer $ per active participant
$3,598Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$28.5MNet plan assets, end of year
$66,323Average balance per account
Score breakdown
- Employer generosity34.5 / 5069th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1563th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 53th |
| Employee saving | 63th |
| 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
- La Clinica Del Valle Family Health Care Center put in about $1,890 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 | $944,798 |
| Participant (employee) contributions | $1,799,129 |
| Other contributions (incl. rollovers in) | $217,490 |
| Administrative expenses paid from the plan | $55,128 |
| Contract administrator fees | $53,603 |
| Investment advisory & management fees | $1,525 |
| Benefits paid out | $1,245,990 |
| Net assets, start / end of year | $24.3M / $28.5M |
| Active participants, start / end of year | 474 / 526 |
| Participants with account balances | 429 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $53,603 reported compensation |
| Northwest Retirement Plans Inc | $11,527 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013214523NAL0000950755001, received 2025-10-13, EIN 94-3096772, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.