West Coast Dental Services, Inc. 401(k) Review & Grade
Plan 1 - West Coast Dental, Inc. 401(k) Profit Sharing Plan
Los Angeles, CAProfessional, Scientific & Technical Services740 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$165Employer $ per active participant
$799Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$4.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.1 / 508th percentile for employer $ per participant
- Low cost12.6 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 155th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score17 / 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 | 8th |
| Lower admin cost | 50th |
| Employee saving | 5th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- West Coast Dental Services put in about $165 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.
- 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.
- 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 | $121,872 |
| Participant (employee) contributions | $590,960 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $5,760 |
| Contract administrator fees | $5,760 |
| Benefits paid out | $1,326,532 |
| Net assets, start / end of year | $411,480 / $4.7M |
| Active participants, start / end of year | 724 / 756 |
| Participants with account balances | 185 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withum Smith+brown, PC |
Largest service providers (Schedule C)
| John Hancock Life Insurance Company | $1,640 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015143253NAL0005142769001, received 2025-10-15, EIN 95-4558576, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.