Private Diagnostic Clinic PLLC 401(k) Review & Grade
The Private Diagnostic Clinic, PLLC Profit Sharing Plan and 401(k) Savings Plan
Durham, NCHealth Care & Social Assistance1,028 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$10Employer $ per active participant
$0Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$268,195Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.5 / 509th percentile for employer $ per participant
- Low cost22.0 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving0.1 / 151th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 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 | 9th |
| Lower admin cost | 88th |
| Employee saving | 1th |
| 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
- Private Diagnostic Clinic PLLC put in about $10 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.
- 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 | $10,105 |
| Participant (employee) contributions | $106 |
| Other contributions (incl. rollovers in) | $186,410 |
| Administrative expenses paid from the plan | $377,719 |
| Investment advisory & management fees | $208,278 |
| Benefits paid out | $1,751,869,847 |
| Net assets, start / end of year | $1.6B / $268,195 |
| Active participants, start / end of year | 2,048 / 9 |
| Participants with account balances | 12 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pbmares, LLP |
Largest service providers (Schedule C)
| The Private Diagnostic Clinic, PLLC | $198,073 reported compensation |
| Alston Bird | $73,961 reported compensation |
| Capfinancial Partners, LLC | $68,254 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003132129NAL0001450497001, received 2025-10-03, EIN 56-1029437, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.