Delta Dental of Pennsylvania 401(k) Review & Grade
Delta Dental of Pennsylvania 401(k) Retirement Plan
Camp Hill, PAHealth Care & Social Assistance764 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$9,029Employer $ per active participant
$8,100Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$178.7MNet plan assets, end of year
$196,131Average balance per account
Score breakdown
- Employer generosity48.8 / 5098th percentile for employer $ per participant
- Low cost22.4 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score92 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 90th |
| Employee saving | 95th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,978 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Delta Dental of Pennsylvania put in about $9,029 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.
- 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 | $6,893,451 |
| Participant (employee) contributions | $6,184,568 |
| Other contributions (incl. rollovers in) | $235,838 |
| Administrative expenses paid from the plan | $71,293 |
| Investment advisory & management fees | $33,300 |
| Benefits paid out | $12,336,418 |
| Net assets, start / end of year | $158.0M / $178.7M |
| Active participants, start / end of year | 772 / 755 |
| Participants with account balances | 911 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $78,027 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008165125NAL0005837089002, received 2025-10-08, EIN 23-1667011, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.