Straine Dental Management LLC 401(k) Review & Grade
Straine Dental Management LLC 401(k) Profit Sharing Plan & Trust
Sacramento, CAProfessional, Scientific & Technical Services730 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,525Employer $ per active participant
$2,930Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$16.1MNet plan assets, end of year
$29,892Average balance per account
Score breakdown
- Employer generosity13.6 / 5027th percentile for employer $ per participant
- Low cost6.4 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1514th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 26th |
| Employee saving | 14th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $17,872 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Straine Dental Management put in about $1,525 per active participant, below the typical peer ($3,082). 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 (0.46% 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.
- 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 | $1,113,581 |
| Participant (employee) contributions | $2,138,852 |
| Other contributions (incl. rollovers in) | $1,615,563 |
| Administrative expenses paid from the plan | $63,483 |
| Contract administrator fees | $24,431 |
| Investment advisory & management fees | $38,192 |
| Benefits paid out | $1,421,034 |
| Net assets, start / end of year | $11.5M / $16.1M |
| Active participants, start / end of year | 750 / 710 |
| Participants with account balances | 538 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mun Cpas LLP |
Largest service providers (Schedule C)
| Wells Fargo Advisors | $38,192 reported compensation |
| Paychex, Inc. | $24,273 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001161319NAL0018042147001, received 2025-10-01, EIN 87-4435173, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.