Guardian Dentistry Practice Management LLC 401(k) Review & Grade
Guardian Dentistry Practice Management LLC 401(k) Plan and Trust
Miami, FLProfessional, Scientific & Technical Services2,032 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$454Employer $ per active participant
$4,082Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$45.9MNet plan assets, end of year
$28,643Average balance per account
Score breakdown
- Employer generosity6.4 / 5013th percentile for employer $ per participant
- Low cost9.9 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score22 / 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 | 13th |
| Lower admin cost | 40th |
| Employee saving | 21th |
| Peers that auto-enroll | 48% |
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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
- Guardian Dentistry Practice Management put in about $454 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 | $923,343 |
| Participant (employee) contributions | $8,297,568 |
| Other contributions (incl. rollovers in) | $1,469,641 |
| Administrative expenses paid from the plan | $126,043 |
| Investment advisory & management fees | $8,397 |
| Other admin expenses | $5,080 |
| Benefits paid out | $4,676,096 |
| Net assets, start / end of year | $35.7M / $45.9M |
| Active participants, start / end of year | 1,979 / 2,086 |
| Participants with account balances | 1,603 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Zomma Group LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $29,428 reported compensation |
| Zomma Group LLP | $15,000 reported compensation |
| Ubs Financial Services Inc | $7,977 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260318103035NAL0003800195001, received 2026-03-18, EIN 83-3074236, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.