Spectrum Health Systems 401(k) match, vesting and fees
What Spectrum Health Systems' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 104,026 defined-contribution plans in health care and social assistance with fewer than 100 participants.
| Spectrum Health Systems: employer contribution per participant | $12,440 | |
| Peer median | $1,871 |
| Spectrum Health Systems: average balance | $194,277 | |
| Peer median | $55,215 |
| Spectrum Health Systems: admin expenses ÷ assets | <0.01% | |
| Peer median | 0.45% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $3.1M at the end of plan year 2021 to $4.9M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 32 | $4.9M | $311K | $12,440 | <0.01% | Not published | 5500-SF ↗ |
| 2024 | 31 | $4.1M | $246K | $11,702 | <0.01% | Not published | 5500-SF ↗ |
| 2023 | 28 | $3.2M | $234K | $10,169 | <0.01% | Not published | 5500-SF ↗ |
| 2022 | 28 | $3.2M | $129K | $5,844 | <0.01% | Not published | 5500-SF ↗ |
| 2021 | 20 | $3.1M | $81K | $5,091 | <0.01% | Not published | 5500-SF ↗ |
Other Spectrum Health Systems plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Employee Benefit of Spectrum Health Systems, Inc.
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Mutual of America Investment Corp | Schedule C ↗ |
| Independent auditor | Bollus Lynch, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does Spectrum Health Systems match 401(k) contributions?
The match terms for the 403(b) Thrift Plan for Employees of Spectrum Health Systems, Inc. have not been published from its filing yet. The plan year 2025 filing reports $311K in employer contributions, about $12,440 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Spectrum Health Systems 401(k) match vested?
The vesting schedule for the 403(b) Thrift Plan for Employees of Spectrum Health Systems, Inc. is not in the data published so far. Your Summary Plan Description states it.
Who manages the Spectrum Health Systems 401(k)?
The filing names Spectrum Health Systems, Inc. as plan administrator; it does not list a recordkeeper.
I left Spectrum Health Systems. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Spectrum Health Systems, Inc., (508) 792-5400). The Spectrum Health Systems old 401(k) page lists the contacts from every plan filing. Find an old Spectrum Health Systems 401(k)
Data from the public Form 5500 annual reports Spectrum Health Systems filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Spectrum Health Systems. Not financial advice. Report a correction · Methodology