United Health Centers of the San Joaquin Valley, Inc. 401(k) Review & Grade
United Health Centers of the San Joaquin Valley, Inc. 401(k) Profit Sharing Plan
Fresno, CAHealth Care & Social Assistance1,019 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,045Employer $ per active participant
$3,780Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$41.6MNet plan assets, end of year
$34,008Average balance per account
Score breakdown
- Employer generosity35.7 / 5071th percentile for employer $ per participant
- Low cost10.2 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 41th |
| Employee saving | 65th |
| 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
- United Health Centers of the San Joaquin Valley put in about $2,045 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 | $2,084,047 |
| Participant (employee) contributions | $3,851,582 |
| Other contributions (incl. rollovers in) | $188,087 |
| Administrative expenses paid from the plan | $113,051 |
| Contract administrator fees | $109,351 |
| Other admin expenses | $3,700 |
| Benefits paid out | $3,027,625 |
| Net assets, start / end of year | $34.1M / $41.6M |
| Active participants, start / end of year | 998 / 1,040 |
| Participants with account balances | 1,222 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $122,300 reported compensation |
| NFP Retirement Inc. | $62,875 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250725111523NAL0003135251001, received 2025-07-25, EIN 94-1732538, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.