Interdent Service Corporation 401(k) Review & Grade
Interdent Service Corporation 401(k) Plan
El Segundo, CAHealth Care & Social Assistance1,778 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$694Employer $ per active participant
$4,945Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$100.1MNet plan assets, end of year
$40,048Average balance per account
Score breakdown
- Employer generosity21.0 / 5042th percentile for employer $ per participant
- Low cost8.5 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1578th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 34th |
| Employee saving | 78th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($630 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $51 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Interdent Service put in about $694 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.
- Direct plan expenses (0.36% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,233,264 |
| Participant (employee) contributions | $8,791,347 |
| Other contributions (incl. rollovers in) | $823,470 |
| Administrative expenses paid from the plan | $337,800 |
| Benefits paid out | $9,440,604 |
| Net assets, start / end of year | $87.3M / $100.1M |
| Active participants, start / end of year | 1,814 / 1,742 |
| Participants with account balances | 2,499 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Miller Kaplan Arase LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $276,398 reported compensation |
| Oppenheimer & Co | $97,713 reported compensation |
| Truog-Ryding Company, Inc | $46,370 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015115625NAL0004771089001, received 2025-10-15, EIN 91-1577891, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.