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Original filing (PDF)20251006113917NAL0006355568001
VSM MANAGEMENT, LLC
Form 5500
FILING_RECEIVED
SOUTHERN DENTAL ALLIANCE 401(K) PLAN
401(k) retirement plan
Signals · 2
26% in single holding~97 bps in Sched C fees
Active participants
820
Accounts w/ balance
139
Plan assets (EOY)
$5.2M
Net assets (EOY)
$5.2M
How this plan invests
This plan
16 pooled trusts
Schedule D
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
83
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
87
Total plan cost
65
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "Principal LifeTime 2030 Separate Account-Z Mutual Fund" is 26% of plan.
- 97 bps in Schedule C fees — 86% above peer band of 52 bps.
- Only 17% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VSM MANAGEMENT, LLC.
Plan sponsor
Name
VSM MANAGEMENT, LLC
EIN
37-1667496
Address
225 TOWNPARK DRIVE · KENNESAW, GA · 301445886
Phone
(470) 552-1808
Industry
Management of Companies / Holdingssee 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
2025-10-06
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
WARREN AVERETT
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT GROUP INC | 27-2037969 | — | RECORDKEEPER/BOOKKEEPER | $24K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $26K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
13 direct securities · 16 pooled funds· $5.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Pooled Separate Account
$4.6M
15 holdings
Uncategorized
$652K
13 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME 2030 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 077 | Pooled Separate Account | — | — | $1.4M | 26.5% | |
| PRIN LIFETIME 2035 SEP ACT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 112 | Pooled Separate Account | — | — | $844K | 16.2% | |
| PRIN LIFETIME 2045 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 113 | Pooled Separate Account | — | — | $795K | 15.3% | |
| PRIN LIFETIME 2050 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 079 | Pooled Separate Account | — | — | $465K | 8.9% | |
| PRIN LIFETIME 2040 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 078 | Pooled Separate Account | — | — | $414K | 8.0% | |
| DFA US Targeted Value I Fund Mutual Fund ** 110 Eaton Vance Atlanta Capital SMID Cap R6 Fund Mutual Fund ** 72 Fidelity 500 Index Fund Mutual Fund | — | — | — | $271K | 5.2% | |
| PRIN LIFETIME 2055 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 114 | Pooled Separate Account | — | — | $214K | 4.1% | |
| PRIN LIFETIME 2025 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 111 | Pooled Separate Account | — | — | $159K | 3.1% | |
| PRIN LIFETIME 2015 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 110 | Pooled Separate Account | — | — | $101K | 1.9% | |
| PRIN LIFETIME 2020 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 076 | Pooled Separate Account | — | — | $93K | 1.8% | |
| 9.50; various maturity dates 0 | — | — | — | $83K | 1.6% | |
| PRIN LIFETIME 2060 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 130 | Pooled Separate Account | — | — | $82K | 1.6% | |
| Principal Core Fixed Income Separate Account-Z Mutual Fund | — | — | — | $75K | 1.4% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $75K | 1.4% | |
| Fidelity Mid Cap Index Fund Mutual Fund | — | — | — | $43K | 0.8% | |
| Fidelity NASDAQ Composite Index Fund Mutual Fund | — | — | — | $35K | 0.7% | |
| JP Morgan Small Cap Blend R6 Fund Mutual Fund ** 72 Schwab Fundamental International Equity Index Fund Mutual Fund | — | — | — | $31K | 0.6% | |
| American Beacon SiM High Yield Opportunities R5 Fd Mutual Fund | — | — | — | $24K | 0.5% | |
| Janus Henderson Enterprise N Fund Mutual Fund ** 37 JP Morgan Growth Advantage R6 Fund Mutual Fund | — | — | — | $23K | 0.4% | |
| Principal LifeTime 2070 Separate Account-Z Mutual Fund | — | — | — | $22K | 0.4% | |
| PRIN LIFETM 2070 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 179 | Pooled Separate Account | — | — | $22K | 0.4% | |
| American Funds New World R6 Fund Mutual Fund ** 912 BNY Mellon Dynamic Value Y Fund Mutual Fund ** 328 Cohen & Steers Institutional Realty Shares Mutual Fund | — | — | — | $17K | 0.3% | |
| Fidelity Small Cap Index Fund Mutual Fund | — | — | — | $14K | 0.3% | |
| Hood River Small-Cap Growth Retirement Fund Mutual Fund ** 290 Invesco Small Cap Value R6 Fund Mutual Fund | — | — | — | $12K | 0.2% | |
| PRIN LIFETIME 2065 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 173 | Pooled Separate Account | — | — | $2K | <0.1% | |
| American Century Mid-Cap Value R6 Fund Mutual Fund ** 145 American Funds New Perspective R6 Fund Mutual Fund | — | — | — | $2K | <0.1% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $70 | <0.1% | |
| PRIN CAPITAL APPR SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 119 | Pooled Separate Account | — | — | $0 | <0.1% | |
| T. ROWE PRICE STABLE VALUE CTF T. ROWE PRICE · EIN 52-1309931 / PN 456 | Common Collective Trust | — | — | $0 | <0.1% |
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