The Campbell Clinic, P.C. 401(k) Review & Grade
The Campbell Clinic, P.C. Employees' Retirement Plan and Trust
Germantown, TNHealth Care & Social Assistance770 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7,888Employer $ per active participant
$4,697Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$148.2MNet plan assets, end of year
$180,781Average balance per account
Score breakdown
- Employer generosity48.1 / 5096th percentile for employer $ per participant
- Low cost23.7 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1576th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score86 / 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 | 96th |
| Lower admin cost | 95th |
| Employee saving | 76th |
| 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
- Campbell Clinic put in about $7,888 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 | $6,077,470 |
| Participant (employee) contributions | $3,618,942 |
| Other contributions (incl. rollovers in) | $639,094 |
| Administrative expenses paid from the plan | $30,828 |
| Contract administrator fees | $30,828 |
| Benefits paid out | $5,559,473 |
| Net assets, start / end of year | $127.2M / $148.2M |
| Active participants, start / end of year | 613 / 928 |
| Participants with account balances | 820 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| John Hancock | $30,828 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731075452NAL0002421827001, received 2025-07-31, EIN 62-0811256, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.