Retirement plan

PACIFIC DENTAL SERVICES, LLC 401(K) PLAN

Name: PACIFIC DENTAL SERVICES, LLC - PACIFIC DENTAL SERVICES, LLC 401(K) PLAN (2016) Form 5500
Creator: PACIFIC DENTAL SERVICES, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PACIFIC DENTAL SERVICES, LLC 401(K) PLAN, PACIFIC DENTAL SERVICES, LLC

PACIFIC DENTAL SERVICES, LLCEIN 33-0681491Plan #001PY 2016

17000 RED HILL AVENUE - IRVINE, CA 92614714-845-8500pacifichealthservicesathome.comLinkedIn1-10 employees

Prospect flagsLow assets / participantLow employer contributionLow participant contributionFailed to transmit contributionsCorrective distributions

Top hat statement on fileNQDC

Filed June 11, 2008 (most recent of 2 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$130.2M

-20.2% from 2016

Total participants

10,439

-23.2% from 2016

Average account balance

$13,972

-3.4% from 2016

Annual return

9.85%

-8.53 pp from 2016

Benchmarks

See 32 peers

Peer group

Industry55 - Management of Companies and Enterprises

Plan typeDefined contribution

Participants5,000-9,999

Cohort32 peers

Snapshot2016

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Analytics

Total assets (EOY)

Plan-year ending balance

$565.35M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$30K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

18,962

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$86.15M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+14.98%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$85

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
QBI, LLC2+ years Service code 13 · EIN 26-2768667	Contract Administrator	$164,703
MASSACHUSETTS MUTUAL LIFE INS. CO.2+ years Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 13 · EIN 04-1590850	Contract Administrator	$162,821
SAGEVIEW ADVISORY GROUP, LLC2+ years Service code 26 · EIN 33-0818667	Advisory (Participants)	$111,124
WINDES, INC.1 year Filed as: WINDES Service code 10 · EIN 95-3001179	Accounting	$17,000
MASSACHUSETTS MUTUAL LIFE INS. CO.2+ years Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 60	Sub-TA Fees	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

5 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$345K

$39 / participant

Contract admin$345K100.0%

% of EOY assets

0.265%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: WINDES, INC.
Auditor EIN: 953001179
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$13,972

$92,813-84.9%

$108,745-87.2%

$65,292-78.6%

Participation rate

87.2%

84.5%+2.7pp

77.7%+9.5pp

72.4%+14.8pp

Annual return

9.85%

14.67%-4.8pp

46.22%-36.4pp

11.84%-2.0pp

Employer contribution / active EE

$657

$3,016-78.2%

$3,323-80.2%

$2,302-71.5%

Participant deferral / active EE

$2,097

$5,191-59.6%

$5,121-59.1%

$3,579-41.4%

Admin fee / account holder

$37

$56-34.1%

$6,144-99.4%

$57-35.5%

Provider

Service type

Compensation

QBI, LLC2+ years

Service code 13 · EIN 26-2768667

Contract Administrator

$164,703

MASSACHUSETTS MUTUAL LIFE INS. CO.2+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INS CO

Service code 13 · EIN 04-1590850

Contract Administrator

$162,821

SAGEVIEW ADVISORY GROUP, LLC2+ years

Service code 26 · EIN 33-0818667

Advisory (Participants)

$111,124

WINDES, INC.1 year

Filed as: WINDES

Service code 10 · EIN 95-3001179

Accounting

$17,000

MASSACHUSETTS MUTUAL LIFE INS. CO.2+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 60

Sub-TA Fees

PACIFIC DENTAL SERVICES, LLC 401(K) PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PACIFIC DENTAL SERVICES, LLC 401(K) PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion