Dedicated Nursing Associates, Inc 401(k) Review & Grade
Dedicated Nursing Associates, Inc. Retirement Plan
Delmont, PAHealth Care & Social Assistance1,822 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$171Employer $ per active participant
$257Employee $ saved per active participant
1.67%Direct admin cost, % of plan assets
$4.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity9.9 / 5020th percentile for employer $ per participant
- Low cost0.5 / 252th percentile for low admin cost vs. same-size plans
- Employee saving0.8 / 155th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score14 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 2th |
| Employee saving | 5th |
| 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
- Dedicated Nursing Associates put in about $171 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 (1.67% 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.
- 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 | $312,159 |
| Participant (employee) contributions | $468,710 |
| Other contributions (incl. rollovers in) | $95,520 |
| Administrative expenses paid from the plan | $61,775 |
| Investment advisory & management fees | $15,961 |
| Benefits paid out | $311,114 |
| Net assets, start / end of year | $3.2M / $4.2M |
| Active participants, start / end of year | 1,818 / 1,825 |
| Participants with account balances | 210 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Louis Plung and Company, LLP |
Largest service providers (Schedule C)
| Wells Fargo Advisors LLC | $15,201 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250912124743NAL0001315809001, received 2025-09-12, EIN 20-4641957, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.