U.S. Renal Care, Inc. 401(k) Review & Grade
U.S. Renal Care, Inc. Profit Sharing Plan
Plano, TXHealth Care & Social Assistance7,446 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,521Employer $ per active participant
$4,388Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$340.2MNet plan assets, end of year
$44,461Average balance per account
Score breakdown
- Employer generosity30.9 / 5062th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score43 / 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 | 62th |
| Lower admin cost | 37th |
| Employee saving | 65th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,185,694 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- U.S. Renal Care put in about $1,521 per active participant, more than the typical peer ($800). 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 (0.19% 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $11,325,060 |
| Participant (employee) contributions | $32,673,577 |
| Other contributions (incl. rollovers in) | $4,707,713 |
| Administrative expenses paid from the plan | $582,150 |
| Contract administrator fees | $61,450 |
| Investment advisory & management fees | $79,500 |
| Other admin expenses | $63,461 |
| Benefits paid out | $29,948,362 |
| Net assets, start / end of year | $284.2M / $340.2M |
| Active participants, start / end of year | 7,409 / 7,484 |
| Participants with account balances | 7,651 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Whitley Penn LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $464,011 reported compensation |
| Creative Planning LLC | $78,000 reported compensation |
| Whitley Penn LLP | $38,640 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014154310NAL0001603411001, received 2025-10-14, EIN 62-1826478, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.