Plan Ledger DOL Form 5500 · updated monthly

Pioneer Spine and Sports Physicians P.C.401(k)

PIONEER SPINE AND SPORTS PHYSICIANS P.C. 401(K) PLAN AND TRUST · WEST SPRINGFIELD, MA · plan year 2024

Reported admin expense ratio · 2024
0.47%

Peer grade: D · admin costs + employer contributions vs same-size plans · how grading works

Pioneer Spine and Sports Physicians P.C. reported $88,371 in plan administrative expenses for 2024: 0.47% of average plan assets, higher than ~75% of peers. Employer contributions averaged $0 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio has held roughly steady near 0.474%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other health care & social assistance employers. By assets it is the 1,320th-largest of 2,726 plans among Massachusetts employers on file, and the 3,728th of 11,911 in health care & social assistance. active participation has grown from 78 to 91 since 2022.

Plan summary
Net assets, end of year$19,746,737
Participants with balances131
Active participants91
Employer contributions$0
Employee contributions$404,590
Employer contribution per active participant$0
Average account balance$150,738
Benefits paid to participants$1,033,867
Plan auditUnmodified (clean) audit opinion
AuditorROSENFIELD & CO., PLLC
Plan history3
Yearassets · accounts · employer contribution
2024$19.7M · 131 accts
2023$17.6M · 118 accts
2022$15.4M · 125 accts
Administrative expenses, itemized · 2024
Investment management$17,655
Audit (IQPA)$70,716
Total administrative$88,371
The Pioneer Spine and Sports Physicians P.C. 401(k) match · 2024
Employer contribution per active participant$0
Median for plans this size$2,416

Pioneer Spine and Sports Physicians P.C.'s 2024 employer contribution ran below the $2,416 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
LINCOLN NATIONAL CORPORATION · Recordkeeping · Loan processing$70,266
COMPASS 360, LLC · Recordkeeping · Loan processing$21,208

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024COMPASS 360, LLC, Lincoln Financial
2023COMPASS360, LLC, Lincoln Financial

This plan has changed recordkeepers within these filings. If you left Pioneer Spine and Sports Physicians P.C. before a switch, your account may sit at the earlier firm or in a rollover IRA. Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$88,371 · 0.47%
2023$76,669 · 0.47%
2022$81,154 · 0.47%
Similar plansHealth Care & Social Assistance · Massachusetts
Tempus Unlimited, Inc. MA$20.3M · 0.27%
Affinity Dental MA$20.0M · 0.34%

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Source: U.S. Department of Labor, Form 5500 series, EIN 043034772 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.