North American Dental Management, LLC 401(k) Review & Grade
North American Dental Management, LLC 401(k) Plan
Pittsburgh, PAHealth Care & Social Assistance3,098 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$147Employer $ per active participant
$3,193Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$72.5MNet plan assets, end of year
$40,580Average balance per account
Score breakdown
- Employer generosity13.5 / 5027th percentile for employer $ per participant
- Low cost5.7 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving8.0 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 23th |
| Employee saving | 53th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $42,634 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- North American Dental Management put in about $147 per active participant, below the typical peer ($800). 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 (0.30% of assets) are well above similar-size plans (0.12%). 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 | $455,276 |
| Participant (employee) contributions | $9,890,471 |
| Other contributions (incl. rollovers in) | $413,041 |
| Administrative expenses paid from the plan | $203,569 |
| Investment advisory & management fees | $68,023 |
| Benefits paid out | $8,892,242 |
| Net assets, start / end of year | $61.7M / $72.5M |
| Active participants, start / end of year | 3,119 / 3,076 |
| Participants with account balances | 1,787 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $135,546 reported compensation |
| Marcum Wealth LLC | $41,141 reported compensation |
| Global Retirement Partners LLC | $26,883 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260417070248NAL0023711056001, received 2026-04-17, EIN 27-4348426, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.