Ois Management Services, LLC D/B/A Paradigm Oral Health 401(k) Review & Grade
Paradigm Oral Health 401(k) Profit Sharing Plan
Lincoln, NEHealth Care & Social Assistance1,611 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,957Employer $ per active participant
$3,458Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$46.1MNet plan assets, end of year
$41,418Average balance per account
Score breakdown
- Employer generosity35.1 / 5070th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1561th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score55 / 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 | 70th |
| Lower admin cost | 55th |
| Employee saving | 61th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,486 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ois Management Services, LLC D/B/A Paradigm Oral Health put in about $1,957 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 | $3,152,370 |
| Participant (employee) contributions | $5,570,285 |
| Other contributions (incl. rollovers in) | $7,570,450 |
| Administrative expenses paid from the plan | $73,722 |
| Investment advisory & management fees | $26,155 |
| Other admin expenses | $11,761 |
| Benefits paid out | $3,476,156 |
| Net assets, start / end of year | $29.0M / $46.1M |
| Active participants, start / end of year | 1,422 / 1,800 |
| Participants with account balances | 1,113 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lutz and Company, P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Inst Op Co LLC | $35,805 reported compensation |
| Alliant Retirement Services | $25,811 reported compensation |
| RBC Capital Markets LLC | $11,762 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015085939NAL0002052547001, received 2025-10-15, EIN 83-4600504, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.