Upson County Hospital, Inc. DBA Upson Regional Medical Center 401(k) Review & Grade
Upson Regional Medical Center 401(k) Retirement Plan
Thomaston, GAHealth Care & Social Assistance796 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$988Employer $ per active participant
$3,222Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$36.8MNet plan assets, end of year
$29,325Average balance per account
Score breakdown
- Employer generosity25.1 / 5050th percentile for employer $ per participant
- Low cost17.3 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 69th |
| Employee saving | 59th |
| 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
- Upson County Hospital, Inc. DBA Upson Regional Medical Center put in about $988 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.
- 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 | $785,725 |
| Participant (employee) contributions | $2,562,992 |
| Other contributions (incl. rollovers in) | $76,588 |
| Administrative expenses paid from the plan | $44,292 |
| Benefits paid out | $7,353,041 |
| Net assets, start / end of year | $36.5M / $36.8M |
| Active participants, start / end of year | 805 / 786 |
| Participants with account balances | 1,256 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Draffin & Tucker, LLP |
Largest service providers (Schedule C)
| Valic Retirement Services Company | $40,961 reported compensation |
| Empower Annuity Insurance Company O | $3,330 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015142704NAL0009726450001, received 2025-10-15, EIN 58-1734026, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.