Dentaquest Care Group Management, LLC 401(k) Review & Grade
Advantage Dental Plus 401(k) Plan
Bend, ORHealth Care & Social Assistance935 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,093Employer $ per active participant
$3,109Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$27.9MNet plan assets, end of year
$25,170Average balance per account
Score breakdown
- Employer generosity26.2 / 5052th percentile for employer $ per participant
- Low cost15.6 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1558th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 62th |
| Employee saving | 58th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($67 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Dentaquest Care Group Management put in about $1,093 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,022,281 |
| Participant (employee) contributions | $2,906,771 |
| Other contributions (incl. rollovers in) | $261,356 |
| Administrative expenses paid from the plan | $38,753 |
| Investment advisory & management fees | $5,509 |
| Benefits paid out | $1,806,432 |
| Net assets, start / end of year | $22.2M / $27.9M |
| Active participants, start / end of year | 655 / 1,215 |
| Participants with account balances | 1,108 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Caron&bletzer,pllc |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $33,244 reported compensation |
| Strategic Advisors, Inc. | $5,509 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250826131539NAL0004473043001, received 2025-08-26, EIN 32-0487994, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.