Retirement plan

ESPIRE DENTAL 401(K) PLAN

Name: ESPIRE DENTAL PRACTICE, LLC - ESPIRE DENTAL 401(K) PLAN (2025) Form 5500
Creator: ESPIRE DENTAL PRACTICE, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ESPIRE DENTAL 401(K) PLAN, ESPIRE DENTAL PRACTICE, LLC

ESPIRE DENTAL PRACTICE, LLCEIN 45-5435065Plan #001PY 2025

7800 E UNION AVENUE SUITE 930 - DENVER, CO 80237303-333-2221

Prospect flagsHigh feesLow participationLow employer contribution

How to read this page

Total assets (EOY)

$18.8M

+9.7% from 2024

Total participants

526

+32.5% from 2024

Average account balance

$66,604

-7.4% from 2024

Annual return

21.45%

+8.29 pp from 2024

Benchmarks

See 1,145 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort1,145 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$18.85M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$67K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

283

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

48.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.02M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+21.45%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$369

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 6 by compensation

Provider	Service type	Compensation
SYNERGY4 years Filed as: SYNERGY FINCANCIAL PARTNERS Service code 27 3773 CHERRY CREEK NORTH DR. · DENVER, CO 80220	Advisory (Plan)	$35,004
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$32,502
TPA SERVICES, INC.5 years Filed as: TPA SERVICES INC Service code 13 7108 S ALTON WAY BLDG L STE B · CENTENNIAL, CO 80112	Contract Administrator	$16,549
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$10,747
ENVESTNET RETIREMENT SOLUTIONS, LLC5 years Service code 99 1801 CALIFORNIA STREET · DENVER, CO 80202	Other Fees	$8,504
GLOBAL RETIREMENT PARTNERS LLC1 year Filed as: GLOBAL RETIRMENT PARTNERS LLC Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903	Advisory (Plan)	$2,268

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D2R3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$104K

$222 / participant

Recordkeeping$15K14.2%
Investment mgmt$37K35.7%
Other trustee fees$9K8.1%
Contract admin$44K42.0%

% of EOY assets

0.554%

all-in expense ratio

Categories reported

4 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: TEMPLETON & COMPANY
Auditor EIN: 141918990
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$66,604

$46,464+43.3%

$150,298-55.7%

$79,634-16.4%

Participation rate

48.3%

57.0%-8.7pp

77.8%-29.5pp

62.5%-14.2pp

Annual return

21.45%

27.89%-6.4pp

62.79%-41.3pp

36.46%-15.0pp

Employer contribution / active EE

$79

$1,512-94.8%

$4,154-98.1%

$2,529-96.9%

Participant deferral / active EE

$4,227

$2,157+96.0%

$5,453-22.5%

$3,835+10.2%

Admin fee / account holder

$369

$891-58.6%

$14,116-97.4%

$1,002-63.2%

Provider

Service type

Compensation

SYNERGY4 years

Filed as: SYNERGY FINCANCIAL PARTNERS

Service code 27

3773 CHERRY CREEK NORTH DR. · DENVER, CO 80220

Advisory (Plan)

$35,004

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ADVISORY GROUP, LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$32,502

TPA SERVICES, INC.5 years

Filed as: TPA SERVICES INC

Service code 13

7108 S ALTON WAY BLDG L STE B · CENTENNIAL, CO 80112

Contract Administrator

$16,549

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$10,747

ENVESTNET RETIREMENT SOLUTIONS, LLC5 years

Service code 99

1801 CALIFORNIA STREET · DENVER, CO 80202

Other Fees

$8,504

GLOBAL RETIREMENT PARTNERS LLC1 year

Filed as: GLOBAL RETIRMENT PARTNERS LLC

Service code 27

4340 REDWOOD HWY · SAN RAFAEL, CA 94903

Advisory (Plan)

$2,268

ESPIRE DENTAL 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ESPIRE DENTAL 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion