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Original filing (PDF)20251015163426NAL0010326290001
KOS SERVICES, LLC
Form 5500
FILING_RECEIVED
DENTAL DREAMS 401(K) PLAN
401(k) retirement plan
Signals · 1
~95 bps in Sched C fees
Active participants
597
Accounts w/ balance
462
Plan assets (EOY)
$4.1M
Net assets (EOY)
$3.8M
How this plan invests
This plan
64 pooled trusts
Schedule D
48 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 95 bps in Schedule C fees — 82% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KOS SERVICES, LLC.
Plan sponsor
Name
KOS SERVICES, LLC
EIN
20-8757725
Address
350 NORTH CLARK STREET, SUITE 600 · CHICAGO, IL · 60654
Phone
(312) 274-0308
Industry
Offices of Dentists· Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156830 | COLUMBUS, OH | RECORD KEEPER | $13K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA INVESTMENT ADVISORS, LLC | 36-3120284 | EL SEGUNDO, CA | INVESTMENT ADVISORY | $19K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA RETIREMENT PLAN SPECIALISTS | 94-3324288 | SAINT CLOUD, MN | PENSION CONSULTING | $6K | — |
Investments
33 direct securities · 64 pooled funds· $5.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Pooled Separate Account
$3.9M
64 holdings
Uncategorized
$1.4M
33 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| NUVEEN LIFECYCLE INDEX 2050 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $710K | 17.4% | |
| Fidelity 500 Index Fund | — | — | — | $567K | 13.9% | |
| FID 500 INDX NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $567K | 13.9% | |
| NUVEEN LIFECYCLE INDEX 2060 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $537K | 13.2% | |
| NUVEEN LIFECYCLE INDEX 2045 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $455K | 11.2% | |
| NUVEEN LIFECYCLE INDEX 2055 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $315K | 7.7% | |
| NUVEEN LIFECYCLE INDEX 2035 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $284K | 7.0% | |
| NUVEEN LIFECYCLE INDEX 2040 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $133K | 3.3% | |
| Guaranteed interest account * Nationwide Life Insurance Company Fixed Select Contract | — | — | — | $110K | 2.7% | |
| Nationwide Life Insurance Company Investor Destinations Moderately Aggressive Fund Class R6 | — | — | — | $97K | 2.4% | |
| NW INV DEST MOD AGGR R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $97K | 2.4% | |
| JP Morgan Large Cap Growth Fund R6 | — | — | — | $90K | 2.2% | |
| JPM LGCAP GR R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $90K | 2.2% | |
| FID US BD INDX NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $70K | 1.7% | |
| Fidelity US Bond Index Fund | — | — | — | $70K | 1.7% | |
| Nationwide Life Insurance Company Geneva Small Cap Growth Fund | — | — | — | $57K | 1.4% | |
| NW GENEVA SMCAPGR INST SVC NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $57K | 1.4% | |
| NUVEEN LIFECYCLE INDEX 2030 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $55K | 1.3% | |
| through August 2029 -0- | — | — | — | $45K | 1.1% | |
| Fidelity Total Market Index Fund | — | — | — | $45K | 1.1% | |
| FID TTL MKT INDX NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $45K | 1.1% | |
| Principal Midcap R6 Fund | — | — | — | $39K | 1.0% | |
| PRNCPL MDCAP R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $39K | 1.0% | |
| Fidelity International Index Fund | — | — | — | $38K | 0.9% | |
| FID INTL INDX NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $38K | 0.9% | |
| Fidelity Adv Util I ** 1 Goldman Sachs GQG Partners International Opportunities Fund | — | — | — | $31K | 0.8% | |
| GDMNSCS GQGPTNRINTLOPPR R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $31K | 0.8% | |
| DODGE & COX INTL STCK FD CL I NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $31K | 0.8% | |
| NW LOOMIS ALLCAP GR R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $29K | 0.7% | |
| AVANTIS U.S. LARGE CAP VALUE FUND NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $27K | 0.7% | |
| American Funds The Growth Fund of America | — | — | — | $26K | 0.6% | |
| AMFDS GR FD AM R6 + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $26K | 0.6% | |
| Avantis Emerging Markets Equity Fund Institutional Class | — | — | — | $23K | 0.6% | |
| AVANTS EMRG MKT EQ INST NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $23K | 0.6% | |
| JP Morgan Core Bond Fund R6 ** 329 JP Morgan Equity Income Fund R5 | — | — | — | $23K | 0.6% | |
| JPM EQ INC R5 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $23K | 0.6% | |
| NUVEEN LIFECYCLE INDEX 2065 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $17K | 0.4% | |
| Cohen & Steers Real Estate Securities Fund | — | — | — | $17K | 0.4% | |
| COHENSTRS REALEST SEC Z NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $17K | 0.4% | |
| DIAMOND HILL MDCAP I NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $15K | 0.4% | |
| PGIM Total Return Bond R6 | — | — | — | $15K | 0.4% | |
| PGIM TTL RTN BD R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $15K | 0.4% | |
| Massachusetts Financial Services Midcap Growth Fund R6 | — | — | — | $14K | 0.3% | |
| MFS MDCAP GR R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $14K | 0.3% | |
| Principal Global Real Estate Fund | — | — | — | $14K | 0.3% | |
| PRNCPL GLBL REALEST R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $14K | 0.3% | |
| LEGAL & GENERAL COMMODITY STRAT FD NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $12K | 0.3% | |
| Nationwide Life Insurance Company Investor Destinations Aggressive R6 | — | — | — | $9K | 0.2% | |
| NW INV DEST AGGR R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $9K | 0.2% | |
| American Funds New World Fund | — | — | — | $8K | 0.2% | |
| AMFDS NEW WLD R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| Federated Hermes Institutional High Yield Bond Fund | — | — | — | $8K | 0.2% | |
| FED HRMS INST HIYLDBD INST NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| Vanguard Explorer Fund Admiral | — | — | — | $8K | 0.2% | |
| VNGRD EXPLR ADML NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| Avantis US Large Cap Value Inst | — | — | — | $8K | 0.2% | |
| AVANTS US SMCAP VAL INST NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| BlackRock High Yield Bond Portfolio K | — | — | — | $8K | 0.2% | |
| BLKRK HI YLD BD PORT K NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| Vanguard Total Intl Bond Index Admiral Fund ** 73 Vanguard Total World Stock Index Fund ** 176 Vanguard High Dividend Yield Index Admiral Fund ** 144 Vanguard High-Yield Corporate Admiral Fund ** 144 Vanguard Windsor Fund Admiral | — | — | — | $8K | 0.2% | |
| VNGRD WNDSR ADML NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| PIMCO REAL RTN INST NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $7K | 0.2% | |
| BlackRock Total Return Fund K ** 74 BlackRock Strategic Income Opportunities Fund | — | — | — | $3K | <0.1% | |
| BLKRK STRAT INC OPPR I NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| Federated Hermes Government Obligations Premier | — | — | — | $2K | <0.1% | |
| FED HRMS GOV OBLGTNS PRMR NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| Registered investment companies American Beacon Global Bond Fund ** 639 American Beacon Global Bond Fund Class Z | — | — | — | $2K | <0.1% | |
| AB GLBL BD Z NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| Dimensional Fund Advisors Emerging Markets Core Equity Portfolio | — | — | — | $2K | <0.1% | |
| DFA EMRG MKT COR EQ INST NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| Fidelity Inflation Protected Bond Index Fund | — | — | — | $2K | <0.1% | |
| FID INFL PRTCT BD INDX NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| Columbia Select Large Cap Growth Instl 2 | — | — | — | $2K | <0.1% | |
| COL SEL LGCAP GR INST2 + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| Vanguard Information Technology Index Fund ** 1 Vanguard Total Bond Market Fund ** 236 Vanguard Total Intl Stock Index Admiral Fund ** 132 Vanguard Instl Total Stock Market Fund | — | — | — | $1K | <0.1% | |
| VNGRD TTL STMKT INDX FD AS NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% | |
| BlackRock Mid Cap Growth Equity | — | — | — | $1K | <0.1% | |
| BLKRK MDCAP GR EQ INST + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% | |
| NUVEEN LIFECYCLE INDEX 2015 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% | |
| NUVEEN LIFECYCLE INDEX 2025 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $689 | <0.1% | |
| AB GLBL BD I NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $639 | <0.1% | |
| NW INV DEST MOD CNSRV R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $550 | <0.1% | |
| NUVEEN LIFECYCLE INDEX 2020 CL R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $342 | <0.1% | |
| JPM COR BD R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $329 | <0.1% | |
| VNGRD TTL BND MKT LDX ADM + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $236 | <0.1% | |
| VNGRD TTL WLDSTK INDX ADML + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $176 | <0.1% | |
| VNGRD HI YLD CORP ADML + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $144 | <0.1% | |
| VNGRD HIDIVD YLD INDX ADML + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $144 | <0.1% | |
| VNGRD TTL INTLSTKINDX ADML + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $132 | <0.1% | |
| JPM MRTG BCKD SEC R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $77 | <0.1% | |
| BLKRK TTL RTN K NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $74 | <0.1% | |
| VNGRD TTL INTL BD IDX ADML + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $73 | <0.1% | |
| FIDADV UTIL I + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $1 | <0.1% | |
| VNGRD INFO TECH INDX ADML + NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $1 | <0.1% | |
| NW INV DEST CNSRV R6 NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% | |
| NUVEEN REAL ESTATE SECURITIES FUND NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PIMCOCOMDYREALRTNSTRATINST NATIONWIDE · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% |
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