Retirement plan

PACIFIC DENTAL SERVICES, LLC 401(K) PLAN

Name: PACIFIC DENTAL SERVICES, LLC - PACIFIC DENTAL SERVICES, LLC 401(K) PLAN (2023) 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 2023

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)

$455.5M

-20.2% from 2016

Total participants

18,569

-23.2% from 2016

Average account balance

$24,993

-3.4% from 2016

Annual return

19.83%

-8.53 pp from 2016

Benchmarks

See 1,196 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants>=10,000

Cohort1,196 peers

Snapshot2023

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 4 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL2 years Service code 13 · EIN 04-2647786	Contract Administrator	$933,823
PENSION ASSURANCE LLP7 years Filed as: PENSION BENEFITS UNLIMITED,INC Service code 17 · EIN 33-0499726	Pension Consulting	$300,000
SAGEVIEW ADVISORY GROUP, LLC9+ years Service code 26 · EIN 33-0818667	Advisory (Participants)	$73,759
WINDES, INC.6 years Filed as: WINDES, INC Service code 10 · EIN 95-3001179	Accounting	$25,250

Plan features & details

Pension benefit codes2E2F2G2J2K2R2S2T2X3D3H

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

$1.3M

$100 / participant

Recordkeeping$934K70.1%
Investment mgmt$74K5.5%
Contract admin$300K22.5%
Other / not subdivided$25K1.9%

% of EOY assets

0.293%

all-in expense ratio

Categories reported

3 / 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: $25,250
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$24,993

$96,393-74.1%

$130,298-80.8%

$96,393-74.1%

Participation rate

97.4%

71.3%+26.2pp

76.3%+21.2pp

71.3%+26.2pp

Annual return

19.83%

22.88%-3.1pp

38.90%-19.1pp

22.88%-3.1pp

Employer contribution / active EE

$787

$3,239-75.7%

$4,128-80.9%

$3,239-75.7%

Participant deferral / active EE

$4,729

$5,455-13.3%

$6,790-30.4%

$5,455-13.3%

Admin fee / account holder

$73

$74-1.0%

$6,025-98.8%

$74-1.0%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL2 years

Service code 13 · EIN 04-2647786

Contract Administrator

$933,823

PENSION ASSURANCE LLP7 years

Filed as: PENSION BENEFITS UNLIMITED,INC

Service code 17 · EIN 33-0499726

Pension Consulting

$300,000

SAGEVIEW ADVISORY GROUP, LLC9+ years

Service code 26 · EIN 33-0818667

Advisory (Participants)

$73,759

WINDES, INC.6 years

Filed as: WINDES, INC

Service code 10 · EIN 95-3001179

Accounting

$25,250

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