Northeastern Vermont Regional Hospital, Inc. 401(k) Review & Grade
Nvrh 401(k) Retirement Plan
ST. Johnsbury, VTHealth Care & Social Assistance746 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,367Employer $ per active participant
$5,533Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$84.0MNet plan assets, end of year
$89,472Average balance per account
Score breakdown
- Employer generosity42.5 / 5085th percentile for employer $ per participant
- Low cost19.3 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score84 / 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 | 85th |
| Lower admin cost | 77th |
| Employee saving | 84th |
| 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
- Northeastern Vermont Regional Hospital put in about $3,367 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,513,822 |
| Participant (employee) contributions | $4,130,496 |
| Other contributions (incl. rollovers in) | $783,626 |
| Administrative expenses paid from the plan | $69,158 |
| Other admin expenses | $35,300 |
| Benefits paid out | $8,546,260 |
| Net assets, start / end of year | $74.9M / $84.0M |
| Active participants, start / end of year | 747 / 746 |
| Participants with account balances | 939 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdmp Assurance, LLP |
Largest service providers (Schedule C)
| Pinnacle Pension Consultants, LLC | $35,000 reported compensation |
| Berrydunn | $21,568 reported compensation |
| T Rowe Price RPS Inc | $12,290 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820142631NAL0005741104001, received 2025-08-20, EIN 03-6013761, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.