Pediatric Associates Holding Company 401(k) Review & Grade
Pediatric Associates Employee Savings & Retirement Plan
Plantation, FLHealth Care & Social Assistance2,896 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,111Employer $ per active participant
$5,064Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$130.1MNet plan assets, end of year
$39,002Average balance per account
Score breakdown
- Employer generosity36.0 / 5072th percentile for employer $ per participant
- Low cost4.6 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 18th |
| Employee saving | 73th |
| Peers that auto-enroll | 38% |
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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
- Pediatric Associates Holding put in about $2,111 per active participant, more than the typical peer ($800). 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 (0.36% 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.
- 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 | $6,112,675 |
| Participant (employee) contributions | $14,664,141 |
| Other contributions (incl. rollovers in) | $4,064,731 |
| Administrative expenses paid from the plan | $428,829 |
| Benefits paid out | $15,146,035 |
| Net assets, start / end of year | $109.8M / $130.1M |
| Active participants, start / end of year | 2,872 / 2,919 |
| Participants with account balances | 3,336 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Gerson, Preston, Klein, Lips, Etal. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $358,613 reported compensation |
| Ejreynolds, Inc. | $94,051 reported compensation |
| Empower Advisory Group, LLC | $65,918 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015113213NAL0002330963001, received 2025-10-15, EIN 20-4729025, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.