Travel Nurse Across America, LLC 401(k) Review & Grade
Travel Nurse Across America 401(k) Plan
North Little Rock, ARAdministrative, Support & Staffing Services2,622 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$503Employer $ per active participant
$1,419Employee $ saved per active participant
0.48%Direct admin cost, % of plan assets
$32.4MNet plan assets, end of year
$23,858Average balance per account
Score breakdown
- Employer generosity28.6 / 5057th percentile for employer $ per participant
- Low cost3.3 / 2513th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1552th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 13th |
| Employee saving | 52th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
Corrective distributions: the plan refunded $400 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Travel Nurse Across America put in about $503 per active participant, more than the typical peer ($342). 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.
- Direct plan expenses (0.48% 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.
- 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 | $1,318,411 |
| Participant (employee) contributions | $3,721,949 |
| Other contributions (incl. rollovers in) | $615,880 |
| Administrative expenses paid from the plan | $148,471 |
| Contract administrator fees | $135,801 |
| Investment advisory & management fees | $9,702 |
| Other admin expenses | $2,968 |
| Benefits paid out | $6,008,932 |
| Net assets, start / end of year | $28.8M / $32.4M |
| Active participants, start / end of year | 2,788 / 2,457 |
| Participants with account balances | 1,360 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $143,295 reported compensation |
| Creative Planning Hold Co, LLC | $68,063 reported compensation |
| Voya Retirement Advisors, LLC | $7,948 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015163501NAL0010329170001, received 2025-10-15, EIN 20-1068277, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.