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Original filing (PDF)20250814150645NAL0028176290001
RAFAEL RIVERA, JR., D.D.S., P.L.L.C.
Form 5500
FILING_RECEIVED
SMILE STARTERS 401(K) PLAN
401(k) retirement plan
Signals · 1
35% in single holding
Active participants
227
Accounts w/ balance
185
Plan assets (EOY)
$4.7M
Net assets (EOY)
$4.7M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
83
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vanguard Total Stock Mkt Idx Adm Mutual Fund" is 35% of plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RAFAEL RIVERA, JR., D.D.S., P.L.L.C..
Plan sponsor
Name
RAFAEL RIVERA, JR., D.D.S., P.L.L.C.
EIN
26-1995249
Address
3340 ROBINWOOD RD. · PMB 100-406 · GASTONIA, NC · 28054
Phone
(704) 816-1401
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
2025-08-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PARSONS CPA, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HUMAN INTEREST ADVISOR LLC | 47-4307706 | SAN FRANCISCO, CA | RECORDKEEPER | $19K | — |
Investments
27 direct securities· $4.6M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Mkt Idx Adm Mutual Fund | — | — | — | $1.6M | 34.5% | |
| Vanguard Total Intl Stock Index Admiral Mutual Fund | — | — | — | $850K | 18.2% | |
| Vanguard Total Bond Market Index Adm Mutual Fund | — | — | — | $552K | 11.8% | |
| Vanguard 500 Index Admiral Mutual Fund | — | — | — | $279K | 6.0% | |
| Vanguard Real Estate Index Admiral Mutual Fund | — | — | — | $252K | 5.4% | |
| Vanguard Total Intl Bd Idx Admiral™ Mutual Fund | — | — | — | $242K | 5.2% | |
| Vanguard Growth Index Admiral Mutual Fund | — | — | — | $169K | 3.6% | |
| Vanguard Federal Money Market Investor Mutual Fund | — | — | — | $111K | 2.4% | |
| Vanguard Shrt-Term Infl-Prot Sec Idx Adm Mutual Fund | — | — | — | $102K | 2.2% | |
| Vanguard Short-Term Bond Index Adm Mutual Fund | — | — | — | $57K | 1.2% | |
| Vanguard Small Cap Value Index Admiral Mutual Fund | — | — | — | $51K | 1.1% | |
| Vanguard Mid Cap Index Admiral Mutual Fund | — | — | — | $42K | 0.9% | |
| Vanguard FTSE Social Index Fund Admiral Shares Mutual Fund | — | — | — | $35K | 0.8% | |
| Vanguard Mid-Cap Growth Index Admiral Mutual Fund | — | — | — | $30K | 0.6% | |
| Vanguard Interm-Term Bond Index Adm Mutual Fund | — | — | — | $29K | 0.6% | |
| Vanguard Mid-Cap Value Index Admiral Mutual Fund | — | — | — | $29K | 0.6% | |
| Vanguard Small Cap Index Adm Mutual Fund | — | — | — | $27K | 0.6% | |
| DFA International Value I Mutual Fund | — | — | — | $25K | 0.5% | |
| Vanguard Emerging Mkts Stock Idx Adm Mutual Fund | — | — | — | $24K | 0.5% | |
| DFA Emerging Markets Small Cap I Mutual Fund | — | — | — | $20K | 0.4% | |
| BANC Master Deposit Account A Mutual Fund | — | — | — | $20K | 0.4% | |
| DFA Emerging Markets Value I Mutual Fund | — | — | — | $17K | 0.4% | |
| Vanguard Developed Markets Index Admiral Mutual Fund | — | — | — | $16K | 0.3% | |
| Vanguard Value Index Adm Mutual Fund | — | — | — | $14K | 0.3% | |
| DFA International Core Equity 2 Mutual Fund | — | — | — | $10K | 0.2% | |
| DFA Global Real Estate Securities Port Mutual Fund | — | — | — | $9K | 0.2% | |
| Vanguard Small Cap Growth Index Admiral Mutual Fund | — | — | — | $4K | <0.1% |
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