Retirement plan

PACIFIC DENTAL SERVICES, LLC 401(K) PLAN

Name: PACIFIC DENTAL SERVICES, LLC - PACIFIC DENTAL SERVICES, LLC 401(K) PLAN (2017) 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 2017

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

Prospect flagsLow assets / participantFailed 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)

$175.5M

-20.2% from 2016

Total participants

11,162

-23.2% from 2016

Average account balance

$16,404

-3.4% from 2016

Annual return

21.36%

-8.53 pp from 2016

Benchmarks

See 1,075 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants5,000-9,999

Cohort1,075 peers

Snapshot2017

Free accounts unlock saves, downloads, and 3-year history.

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 10 of 23 by compensation

Provider	Service type	Compensation
PENSION ASSURANCE LLP1 year Filed as: PENSION BENEFITS UNLIMITED,INC Service code 13 · EIN 33-0499726	Contract Administrator	$209,202
MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 13 · EIN 04-1590850	Contract Administrator	$160,220
SAGEVIEW ADVISORY GROUP, LLC1 year Filed as: SAGEVIEW ADVISORY GROUP LLC Service code 27	Advisory (Plan)	$65,109
ALLIANZ GLOBAL INVESTORS1 year Service code 52 · EIN 33-0457728	Indirect Investment Fees	$0
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
BLACKROCK1 year Service code 52 · EIN 51-0318674	Indirect Investment Fees	$0
WITHUMSMITH+BROWN, PC1 year Filed as: BROWN CAPITAL MANAGEMENT Service code 52 · EIN 84-0996383	Indirect Investment Fees	$0
HARBOR1 year Service code 52 · EIN 34-1953393	Indirect Investment Fees	$0
HARRIS1 year Service code 52 · EIN 04-3276558	Indirect Investment Fees	$0
MANNING & NAPIER1 year Service code 52 · EIN 16-0995736	Indirect Investment 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

3 tripped

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

$369K

$43 / participant

Contract admin$369K100.0%

% of EOY assets

0.210%

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

$16,404

$177,276-90.7%

$115,752-85.8%

$177,276-90.7%

Participation rate

94.6%

74.8%+19.7pp

77.8%+16.8pp

74.8%+19.7pp

Annual return

21.36%

21.25%+0.1pp

19.41%+1.9pp

21.25%+0.1pp

Employer contribution / active EE

$674

$2,479-72.8%

$3,492-80.7%

$2,479-72.8%

Participant deferral / active EE

$2,566

$3,881-33.9%

$5,204-50.7%

$3,881-33.9%

Admin fee / account holder

$35

$154-77.6%

$6,278-99.5%

$154-77.6%

Provider

Service type

Compensation

PENSION ASSURANCE LLP1 year

Filed as: PENSION BENEFITS UNLIMITED,INC

Service code 13 · EIN 33-0499726

Contract Administrator

$209,202

MASSACHUSETTS MUTUAL LIFE INS. CO.3+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INS CO

Service code 13 · EIN 04-1590850

Contract Administrator

$160,220

SAGEVIEW ADVISORY GROUP, LLC1 year

Filed as: SAGEVIEW ADVISORY GROUP LLC

Service code 27

Advisory (Plan)

$65,109

ALLIANZ GLOBAL INVESTORS1 year

Service code 52 · EIN 33-0457728

Indirect Investment Fees

AMERICAN FUNDS1 year

Service code 52 · EIN 95-1411037

Indirect Investment Fees

BLACKROCK1 year

Service code 52 · EIN 51-0318674

Indirect Investment Fees

WITHUMSMITH+BROWN, PC1 year

Filed as: BROWN CAPITAL MANAGEMENT

Service code 52 · EIN 84-0996383

Indirect Investment Fees

HARBOR1 year

Service code 52 · EIN 34-1953393

Indirect Investment Fees

HARRIS1 year

Service code 52 · EIN 04-3276558

Indirect Investment Fees

MANNING & NAPIER1 year

Service code 52 · EIN 16-0995736

Indirect Investment 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