Dialyze Direct, LLC 401(k) Review & Grade
Dialyze Direct 401(k) Retirement Plan
Neptune, NJHealth Care & Social Assistance693 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$564Employer $ per active participant
$4,344Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$16.1MNet plan assets, end of year
$14,066Average balance per account
Score breakdown
- Employer generosity19.0 / 5038th percentile for employer $ per participant
- Low cost17.8 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 71th |
| Employee saving | 72th |
| Peers that auto-enroll | 36% |
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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
- Dialyze Direct put in about $564 per active participant, below the typical peer ($976). 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 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 | $391,185 |
| Participant (employee) contributions | $3,010,553 |
| Other contributions (incl. rollovers in) | $172,644 |
| Administrative expenses paid from the plan | $17,146 |
| Contract administrator fees | $17,146 |
| Benefits paid out | $3,351,279 |
| Net assets, start / end of year | $14.3M / $16.1M |
| Active participants, start / end of year | 720 / 666 |
| Participants with account balances | 1,148 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Campbell, Rappold & Yurasits LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $17,146 reported compensation |
| The Paragon Alliance Group, LLC | $11,857 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260327093253NAL0009199314001, received 2026-03-27, EIN 47-2710928, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.