C&tdg Management LLC DBA Oak Dental Partners 401(k) Review & Grade
C&tdg Management 401(k) Plan
Alpharetta, GAHealth Care & Social Assistance941 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5Employer $ per active participant
$1,593Employee $ saved per active participant
0.66%Direct admin cost, % of plan assets
$20.4MNet plan assets, end of year
$35,601Average balance per account
Score breakdown
- Employer generosity4.2 / 508th percentile for employer $ per participant
- Low cost3.6 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 14th |
| Employee saving | 35th |
| 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
- C&tdg Management LLC DBA Oak Dental Partners put in about $5 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 (0.66% 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 | $4,586 |
| Participant (employee) contributions | $1,498,991 |
| Other contributions (incl. rollovers in) | $1,999,678 |
| Administrative expenses paid from the plan | $116,469 |
| Contract administrator fees | $116,469 |
| Benefits paid out | $434,069 |
| Net assets, start / end of year | $14.7M / $20.4M |
| Active participants, start / end of year | 907 / 975 |
| Participants with account balances | 573 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $106,109 reported compensation |
| Edward Jones | $41,629 reported compensation |
| Orenda Retirement LLC | $14,192 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929083314NAL0026251090001, received 2025-09-29, EIN 47-4712711, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.