Endodontic Practice Partners LLC 401(k) Review & Grade
Endodontic Practice Partners 401(k) Plan
Brentwood, TNHealth Care & Social Assistance502 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,235Employer $ per active participant
$5,035Employee $ saved per active participant
0.70%Direct admin cost, % of plan assets
$16.0MNet plan assets, end of year
$59,972Average balance per account
Score breakdown
- Employer generosity37.4 / 5075th percentile for employer $ per participant
- Low cost3.2 / 2513th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score43 / 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 | 75th |
| Lower admin cost | 13th |
| Employee saving | 79th |
| 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 ($181,470 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $4,170 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Endodontic Practice Partners put in about $2,235 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.
- Direct plan expenses (0.70% 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 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 | $1,123,211 |
| Participant (employee) contributions | $2,530,214 |
| Other contributions (incl. rollovers in) | $5,750,670 |
| Administrative expenses paid from the plan | $76,353 |
| Investment advisory & management fees | $32,451 |
| Benefits paid out | $455,869 |
| Net assets, start / end of year | $5.8M / $16.0M |
| Active participants, start / end of year | 488 / 517 |
| Participants with account balances | 267 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sikich CPA LLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $43,902 reported compensation |
| Gallagher Benefit Services Inc DBA | $30,444 reported compensation |
| Empower Advisory Group, LLC | $2,007 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260122123205NAL0004570609001, received 2026-01-22, EIN 85-4629791, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.