University of Colorado Health 401(k) Review & Grade
Uchealth 403(b) Plan
Aurora, COHealth Care & Social Assistance9,224 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,113Employer $ per active participant
$2,325Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$208.9MNet plan assets, end of year
$23,792Average balance per account
Score breakdown
- Employer generosity28.0 / 5056th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 82th |
| Employee saving | 45th |
| 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
- University of Colorado Health put in about $1,113 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.
- 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 | $10,267,214 |
| Participant (employee) contributions | $21,443,713 |
| Other contributions (incl. rollovers in) | $176,065,362 |
| Administrative expenses paid from the plan | $88,980 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $26,250 |
| Benefits paid out | $12,005,344 |
| Net assets, start / end of year | $0 / $208.9M |
| Active participants, start / end of year | 0 / 9,224 |
| Participants with account balances | 8,782 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante Moran |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $62,865 reported compensation |
| Verus Advisory, Inc. | $26,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006163827NAL0003806977001, received 2025-10-06, EIN 45-4552631, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.