Atlantic Dental Care, PLC 401(k) Review & Grade
Atlantic Dental Care 401(k) Profit Sharing Plan
Estero, FLHealth Care & Social Assistance854 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,631Employer $ per active participant
$3,980Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$89.2MNet plan assets, end of year
$111,808Average balance per account
Score breakdown
- Employer generosity45.1 / 5090th percentile for employer $ per participant
- Low cost11.7 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 47th |
| Employee saving | 68th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Atlantic Dental Care, PLC put in about $4,631 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $3,952,460 |
| Participant (employee) contributions | $3,396,698 |
| Other contributions (incl. rollovers in) | $512,667 |
| Administrative expenses paid from the plan | $208,404 |
| Contract administrator fees | $2,470 |
| Investment advisory & management fees | $205,934 |
| Benefits paid out | $4,740,133 |
| Net assets, start / end of year | $76.0M / $89.2M |
| Active participants, start / end of year | 874 / 833 |
| Participants with account balances | 798 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Zukerman & Associates, LTD |
Largest service providers (Schedule C)
| Wellington Consulting Service, Inc. | $192,198 reported compensation |
| Steigerwald Gordon & Koch | $7,861 reported compensation |
| Charles Schwab & Co., Inc. | $4,894 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013111438NAL0000524291001, received 2025-10-13, EIN 45-5402141, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.