Strategic Dental Executives LLC DBA Community Dental Partners 401(k) Review & Grade
Community Dental Partners 401(k) Plan
Denton, TXManagement of Companies1,017 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$0Employer $ per active participant
$2,234Employee $ saved per active participant
0.76%Direct admin cost, % of plan assets
$11.0MNet plan assets, end of year
$10,905Average balance per account
Score breakdown
- Employer generosity0.6 / 501th percentile for employer $ per participant
- Low cost2.8 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving2.3 / 1515th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score6 / 100 · Grade F
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 1th |
| Lower admin cost | 11th |
| Employee saving | 15th |
| Peers that auto-enroll | 58% |
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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 ($186,254 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Strategic Dental Executives LLC DBA Community Dental Partners put in about $0 per active participant, below the typical peer ($2,492). 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 (0.76% 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 | $116 |
| Participant (employee) contributions | $2,272,102 |
| Other contributions (incl. rollovers in) | $49,773 |
| Administrative expenses paid from the plan | $75,677 |
| Other admin expenses | $75,677 |
| Benefits paid out | $1,427,759 |
| Net assets, start / end of year | $8.9M / $11.0M |
| Active participants, start / end of year | 954 / 1,080 |
| Participants with account balances | 1,010 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kimberlin Company, PLLC |
Largest service providers (Schedule C)
| T. Rowe Price RPS, Inc. | $75,677 reported compensation |
| Dimensional Funds | $0 reported compensation |
| American Funds | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260227091140NAL0000832082001, received 2026-02-27, EIN 27-2885572, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.