Touchstone Communities 401k Plan 401(k) Review & Grade
Touchstone Communities 401k Plan
San Antonio, TXHealth Care & Social Assistance3,200 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$269Employer $ per active participant
$1,486Employee $ saved per active participant
1.23%Direct admin cost, % of plan assets
$32.5MNet plan assets, end of year
$8,839Average balance per account
Score breakdown
- Employer generosity17.4 / 5035th percentile for employer $ per participant
- Low cost0.8 / 253th percentile for low admin cost vs. same-size plans
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 3th |
| Employee saving | 34th |
| Peers that auto-enroll | 38% |
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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
- Touchstone Communities 401k Plan put in about $269 per active participant, below the typical peer ($800). 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.
- Direct plan expenses (1.23% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $861,245 |
| Participant (employee) contributions | $4,754,517 |
| Other contributions (incl. rollovers in) | $370,160 |
| Administrative expenses paid from the plan | $383,946 |
| Contract administrator fees | $53,785 |
| Investment advisory & management fees | $91,686 |
| Other admin expenses | $24,364 |
| Benefits paid out | $6,686,763 |
| Net assets, start / end of year | $30.1M / $32.5M |
| Active participants, start / end of year | 2,455 / 3,944 |
| Participants with account balances | 3,673 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante Moran |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $267,896 reported compensation |
| World Investment Advisors LLC | $72,878 reported compensation |
| Pensionmark Financial Group LLC | $18,808 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250909090756NAL0012480787001, received 2025-09-09, EIN 90-0282359, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.