Frontier Dental Holdings, LLC 401(k) Review & Grade
Frontier Dental 401(k) Plan
El Dorado Hills, CAManufacturing546 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,317Employer $ per active participant
$3,642Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$33.7MNet plan assets, end of year
$68,811Average balance per account
Score breakdown
- Employer generosity12.8 / 5026th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 52th |
| Employee saving | 32th |
| Peers that auto-enroll | 59% |
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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 ($112 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Frontier Dental Holdings put in about $1,317 per active participant, below the typical peer ($2,320). 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.
- 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 | $719,568 |
| Participant (employee) contributions | $1,990,279 |
| Other contributions (incl. rollovers in) | $533,957 |
| Administrative expenses paid from the plan | $38,112 |
| Investment advisory & management fees | $11,691 |
| Benefits paid out | $3,540,962 |
| Net assets, start / end of year | $2.0M / $33.7M |
| Active participants, start / end of year | 410 / 683 |
| Participants with account balances | 490 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante Moran |
Largest service providers (Schedule C)
| Usi Consulting Group | $25,873 reported compensation |
| Adp, Inc. | $9,492 reported compensation |
| Epic Retirement Plan Services | $2,747 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260112151937NAL0013334113001, received 2026-01-12, EIN 84-2049345, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.