Planned Parenthood of the Pacific Southwest 401(k) Review & Grade
Planned Parenthood of the Pacific Southwest 401(k) Retirement Plan
San Diego, CAHealth Care & Social Assistance735 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,631Employer $ per active participant
$5,579Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$58.0MNet plan assets, end of year
$76,475Average balance per account
Score breakdown
- Employer generosity39.4 / 5079th percentile for employer $ per participant
- Low cost10.9 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score56 / 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 | 79th |
| Lower admin cost | 44th |
| Employee saving | 85th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($387 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
- Planned Parenthood of the Pacific Southwest put in about $2,631 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 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 | $1,934,151 |
| Participant (employee) contributions | $4,100,340 |
| Other contributions (incl. rollovers in) | $309,593 |
| Administrative expenses paid from the plan | $147,234 |
| Investment advisory & management fees | $87,317 |
| Benefits paid out | $3,906,923 |
| Net assets, start / end of year | $48.6M / $58.0M |
| Active participants, start / end of year | 769 / 701 |
| Participants with account balances | 759 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Armanino LLC |
Largest service providers (Schedule C)
| Mma Securities LLC | $87,317 reported compensation |
| Empower Annuity Insurance Company | $59,917 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250814115702NAL0011804608001, received 2025-08-14, EIN 95-6111785, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.