Tides Center 401(k) Review & Grade
Tides 403(b) Retirement Plan
San Francisco, CAHealth Care & Social Assistance750 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,700Employer $ per active participant
$10,557Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$95.6MNet plan assets, end of year
$66,466Average balance per account
Score breakdown
- Employer generosity46.1 / 5092th percentile for employer $ per participant
- Low cost15.7 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default 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 | 92th |
| Lower admin cost | 63th |
| Employee saving | 98th |
| 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
- Tides Center put in about $5,700 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 | $4,272,510 |
| Participant (employee) contributions | $7,912,614 |
| Other contributions (incl. rollovers in) | $1,044,041 |
| Administrative expenses paid from the plan | $135,622 |
| Investment advisory & management fees | $34,452 |
| Benefits paid out | $8,386,893 |
| Net assets, start / end of year | $81.5M / $95.6M |
| Active participants, start / end of year | 360 / 1,139 |
| Participants with account balances | 1,439 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $176,949 reported compensation |
| Empower Advisory Group, LLC | $34,452 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010123715NAL0007724433001, received 2025-10-10, EIN 94-3213100, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.