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Original filing (PDF)20251014165010NAL0003327377001
LIGHT WAVE DENTAL MANAGEMENT, LLC
Form 5500
FILING_RECEIVED
LIGHTWAVE DENTAL RETIREMENT PLAN
Defined-contribution retirement plan
Active participants
1,736
Accounts w/ balance
1,086
Plan assets (EOY)
$53.7M
Net assets (EOY)
$53.7M
How this plan invests
This plan
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Knocking points off
- 33 bps in Schedule C fees — 105% above peer band of 16 bps.
- 63% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LIGHT WAVE DENTAL MANAGEMENT, LLC.
Plan sponsor
Name
LIGHT WAVE DENTAL MANAGEMENT, LLC
EIN
81-4033101
Address
13580 GROUPE DR STE 305 · WOODBRIDGE, VA · 22192
Phone
(571) 989-8089
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
2025-10-14
Pension benefit codes
2G · Total participant-directed accounts
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HBME, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $87K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | — | PENNINGTON, NJ | INVESTMENT ADVISOR | $90K | — |
Investments
33 direct securities· $53.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FIDELITY 500 INDEX Mutual Fund N/A | — | — | — | $7.6M | 14.1% | |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $7.3M | 13.5% | |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $6.2M | 11.5% | |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $5.4M | 10.1% | |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $4.6M | 8.5% | |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $4.1M | 7.7% | |
| JPMORGAN LARGE CAP GROWTH R6 Mutual Fund N/A | — | — | — | $2.3M | 4.2% | |
| AMERICAN FUNDS 2065 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $2.1M | 3.9% | |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $2.0M | 3.7% | |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $1.9M | 3.5% | |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $1.4M | 2.7% | |
| PUTNAM LARGE CAP VALUE R6 Mutual Fund N/A | — | — | — | $908K | 1.7% | |
| FIDELITY SMALL CAP INDEX Mutual Fund N/A | — | — | — | $796K | 1.5% | |
| EI FIXED ACCOUNT - SERIES CLASS I Fixed Annuities N/A | — | — | — | $787K | 1.5% | |
| Participant Loans Rates - 4.25 to 9.5% | — | — | — | $747K | 1.4% | |
| FIDELITY INTERNATIONAL INDEX Mutual Fund N/A | — | — | — | $731K | 1.4% | |
| FIDELITY MID CAP INDEX Mutual Fund N/A | — | — | — | $714K | 1.3% | |
| FIRST EAGLE GLOBAL R6 Mutual Fund N/A | — | — | — | $637K | 1.2% | |
| AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $635K | 1.2% | |
| AMERICAN FUNDS NEW PERSPECTIVE R6 Mutual Fund N/A | — | — | — | $374K | 0.7% | |
| AMERICAN FUNDS BOND FUND OF AMERICA R6 Mutual Fund N/A | — | — | — | $370K | 0.7% | |
| AMERICAN FUNDS NEW WORLD R6 Mutual Fund N/A | — | — | — | $367K | 0.7% | |
| PRINCIPAL REAL ESTATE SECURITIES FD R-6 Mutual Fund N/A | — | — | — | $331K | 0.6% | |
| MFS INTERNATIONAL GROWTH R6 Mutual Fund N/A | — | — | — | $283K | 0.5% | |
| BLACKROCK MID-CAP GROWTH EQUITY K Mutual Fund N/A | — | — | — | $272K | 0.5% | |
| MFS MID CAP VALUE R6 Mutual Fund N/A | — | — | — | $257K | 0.5% | |
| BLACKROCK HIGH YIELD BOND PORTFOLIO K Mutual Fund N/A | — | — | — | $174K | 0.3% | |
| AMERICAN FUNDS 2015 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $170K | 0.3% | |
| INVESCO DISCOVERY R6 Mutual Fund N/A | — | — | — | $145K | 0.3% | |
| FIDELITY US BOND INDEX Mutual Fund N/A | — | — | — | $132K | 0.2% | |
| UNDISCOVERED MGRS BEHAVIORAL VALUE R6 Mutual Fund N/A | — | — | — | $121K | 0.2% | |
| AMERICAN FUNDS 2010 TRGT DATE RETIRE R6 Mutual Fund N/A | — | — | — | $23K | <0.1% | |
| JANUS HENDERSON GLOBAL EQUITY INCOME N Mutual Fund N/A | — | — | — | $6K | <0.1% |
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