Retirement plan

PACIFIC DENTAL SERVICES, LLC 401(K) PLAN

Name: PACIFIC DENTAL SERVICES, LLC - PACIFIC DENTAL SERVICES, LLC 401(K) PLAN (2020) 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 2020

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

Prospect flagsLow assets / participantLow employer 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)

$307.7M

-20.2% from 2016

Total participants

13,491

-23.2% from 2016

Average account balance

$23,145

-3.4% from 2016

Annual return

16.25%

-8.53 pp from 2016

Benchmarks

See 31 peers

Peer group

Industry55 - Management of Companies and Enterprises

Plan typeDefined contribution

Participants5,000-9,999

Cohort31 peers

Snapshot2020

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 18 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.6+ years Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 13 · EIN 04-1590850	Contract Administrator	$1,010,867
PENSION ASSURANCE LLP4 years Filed as: PENSION BENEFITS UNLIMITED,INC Service code 13 · EIN 33-0499726	Contract Administrator	$311,380
SAGEVIEW ADVISORY GROUP, LLC4 years Filed as: SAGEVIEW ADVISORY GROUP LLC Service code 27	Advisory (Plan)	$75,813
WINDES, INC.3 years Filed as: WINDES, INC Service code 10 · EIN 95-3001179	Accounting	$20,700
ALTA TRUST2 years Service code 52 · EIN 59-2385219	Indirect Investment Fees	$0
AMERICAN FUNDS4 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
BLACKROCK4 years Service code 52 · EIN 51-0318674	Indirect Investment Fees	$0
WITHUMSMITH+BROWN, PC4 years Filed as: BROWN CAPITAL MANAGEMENT Service code 52 · EIN 84-0996383	Indirect Investment Fees	$0
HARBOR4 years Service code 52 · EIN 34-1953393	Indirect Investment Fees	$0
INVESCO1 year Service code 52 · EIN 94-2362417	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

4 tripped

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

$1.3M

$140 / participant

Contract admin$1M98.5%
Other / not subdivided$21K1.5%

% of EOY assets

0.436%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$23,145

$114,568-79.8%

$379,746-93.9%

$93,223-75.2%

Participation rate

98.0%

89.4%+8.6pp

78.4%+19.5pp

74.9%+23.1pp

Annual return

16.25%

16.38%-0.1pp

34.90%-18.6pp

19.29%-3.0pp

Employer contribution / active EE

$742

$3,213-76.9%

$3,540-79.0%

$2,680-72.3%

Participant deferral / active EE

$3,643

$6,118-40.5%

$6,024-39.5%

$4,563-20.2%

Admin fee / account holder

$101

$72+39.6%

$7,927-98.7%

$79+27.6%

Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.6+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INS CO

Service code 13 · EIN 04-1590850

Contract Administrator

$1,010,867

PENSION ASSURANCE LLP4 years

Filed as: PENSION BENEFITS UNLIMITED,INC

Service code 13 · EIN 33-0499726

Contract Administrator

$311,380

SAGEVIEW ADVISORY GROUP, LLC4 years

Filed as: SAGEVIEW ADVISORY GROUP LLC

Service code 27

Advisory (Plan)

$75,813

WINDES, INC.3 years

Filed as: WINDES, INC

Service code 10 · EIN 95-3001179

Accounting

$20,700

ALTA TRUST2 years

Service code 52 · EIN 59-2385219

Indirect Investment Fees

AMERICAN FUNDS4 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

BLACKROCK4 years

Service code 52 · EIN 51-0318674

Indirect Investment Fees

WITHUMSMITH+BROWN, PC4 years

Filed as: BROWN CAPITAL MANAGEMENT

Service code 52 · EIN 84-0996383

Indirect Investment Fees

HARBOR4 years

Service code 52 · EIN 34-1953393

Indirect Investment Fees

INVESCO1 year

Service code 52 · EIN 94-2362417

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