Cultivate Administrative Services401(k)
CULTIVATE BEHAVIORAL MANAGEMENT 401(K) PLAN · NAPERVILLE, IL · plan year 2024
Peer grade: D · admin costs + employer contributions vs same-size plans · how grading works
Cultivate Administrative Services reported $90,690 in plan administrative expenses for 2024: 1.35% of average plan assets, higher than ~90% of peers. Employer contributions averaged $503 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.
Across the 1 year on file its reported administrative ratio fell from 1.78% to 1.35%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other health care & social assistance employers. By assets it is among the smaller plans on file in Illinois (2,625th of 3,702), and 6,540th of 11,911 in health care & social assistance. In 2024, employees put in $3.15 for every $1.00 the employer contributed.
Cultivate Administrative Services's 2024 employer contribution ran below the $1,313 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.
Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.
Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.
Why are you looking at this plan?
Source: U.S. Department of Labor, Form 5500 series, EIN 853950335 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.