Sana Healthcare Carrollton, LLC 401(k) Review & Grade
Carrollton Regional Medical Center 401(k) Plan
Carrollton, TXHealth Care & Social Assistance500 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$857Employer $ per active participant
$3,024Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$10.1MNet plan assets, end of year
$36,368Average balance per account
Score breakdown
- Employer generosity23.4 / 5047th percentile for employer $ per participant
- Low cost9.4 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1557th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 38th |
| Employee saving | 57th |
| 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
- Sana Healthcare Carrollton put in about $857 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.
- 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 | $428,743 |
| Participant (employee) contributions | $1,513,338 |
| Other contributions (incl. rollovers in) | $776,777 |
| Administrative expenses paid from the plan | $28,675 |
| Contract administrator fees | $16,382 |
| Investment advisory & management fees | $12,293 |
| Benefits paid out | $1,242,519 |
| Net assets, start / end of year | $7.6M / $10.1M |
| Active participants, start / end of year | 456 / 545 |
| Participants with account balances | 279 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | CJ CPA Group, PLLC |
Largest service providers (Schedule C)
| Stancorp Financial Group | $39,112 reported compensation |
| Global Retirement Partners, LLC | $12,293 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006110824NAL0003536321001, received 2025-10-06, EIN 45-4510252, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.