Gen4 Dental Partners Opco, LLC 401(k) Review & Grade
Gen4 Dental Partners 401(k) Retirement Plan
Tempe, AZHealth Care & Social Assistance1,518 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$951Employer $ per active participant
$5,240Employee $ saved per active participant
1.02%Direct admin cost, % of plan assets
$33.4MNet plan assets, end of year
$21,099Average balance per account
Score breakdown
- Employer generosity24.7 / 5049th percentile for employer $ per participant
- Low cost1.6 / 256th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 6th |
| Employee saving | 81th |
| 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 ($41,219 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
- Gen4 Dental Partners Opco put in about $951 per active participant, below the typical peer ($976). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (1.02% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,444,355 |
| Participant (employee) contributions | $7,957,305 |
| Other contributions (incl. rollovers in) | $2,144,880 |
| Administrative expenses paid from the plan | $279,736 |
| Investment advisory & management fees | $58,050 |
| Other admin expenses | $16,024 |
| Benefits paid out | $3,016,365 |
| Net assets, start / end of year | $21.6M / $33.4M |
| Active participants, start / end of year | 1,391 / 1,646 |
| Participants with account balances | 1,582 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kimberlin Company PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $152,411 reported compensation |
| Global Retirement Partners LLC | $58,714 reported compensation |
| Kimberlin Company, PLLC | $11,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926132653NAL0010167344001, received 2025-09-26, EIN 86-2821806, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.