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Original filing (PDF)20250729160108NAL0001765427001
CD NEWCO, LLC
Form 5500
FILING_RECEIVED
CURVE DENTAL 401(K) PLAN
401(k) retirement plan
Signals · 3
42% in single holding~82 bps in Sched C feesNo recordkeeper disclosed
Active participants
186
Accounts w/ balance
230
Plan assets (EOY)
$4.6M
Net assets (EOY)
$4.6M
How this plan invests
This plan
1 pooled trust
Schedule D
21 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
79
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "SCHWAB TOT STOCK MKT INDX Mutual Fund" is 42% of plan.
- 82 bps in Schedule C fees — 58% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CD NEWCO, LLC.
Plan sponsor
Name
CD NEWCO, LLC
DBA
CURVE DENTAL
EIN
82-4262769
Address
5255 EDGEWOOD DR, STE 250 · PROVO, UT · 84604
Phone
(801) 851-5175
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
2025-07-29
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
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
FRAZIER & DEETER, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $38K | — |
Investments
21 direct securities · 1 pooled fund· $8.6M(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.
Uncategorized
$4.5M
21 holdings
Pooled Separate Account
$4.1M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT A STANDARD INSURANCE COMPANY · EIN 93-0242990 / PN 005 | Pooled Separate Account | — | — | $4.1M | 88.7% | |
| SCHWAB TOT STOCK MKT INDX Mutual Fund | — | — | — | $1.9M | 41.5% | |
| VANGUARD TOT BD MKT IDX ADM Mutual Fund | — | — | — | $709K | 15.5% | |
| FIDELITY INTERNATIONAL INDEX Mutual Fund | — | — | — | $613K | 13.4% | |
| STANDARD STABLE ASSET D Stable Value Fund | — | — | — | $447K | 9.8% | |
| FIDELITY 500 INDEX Mutual Fund | — | — | — | $247K | 5.4% | |
| VANGUARD EMERG MKT STK IDX Mutual Fund | — | — | — | $183K | 4.0% | |
| JPMORGAN US EQUITY R6 Mutual Fund | — | — | — | $99K | 2.2% | |
| JPMORGAN LRG CAP GROWTH R6 Mutual Fund | — | — | — | $91K | 2.0% | |
| VANGUARD MDCP GRTH IDX ADM Mutual Fund | — | — | — | $55K | 1.2% | |
| VANGUARD SM CAP GR IDX ADM Mutual Fund | — | — | — | $42K | 0.9% | |
| Notes receivable from participants Interest 8.50% | — | — | — | $31K | 0.7% | |
| FIDELITY LRG CAP GRTH IDX Mutual Fund | — | — | — | $30K | 0.7% | |
| VANGUARD SM CAP VAL IDX ADM Mutual Fund | — | — | — | $29K | 0.6% | |
| JP MORGAN MID CAP GROWTH R5 Mutual Fund | — | — | — | $18K | 0.4% | |
| VANGUARD MDCP VAL IDX ADM Mutual Fund | — | — | — | $17K | 0.4% | |
| FIDELITY LARGE CAP VAL INDEX Mutual Fund | — | — | — | $5K | 0.1% | |
| FIDELITY SMALL CAP INDEX Mutual Fund | — | — | — | $5K | 0.1% | |
| VOYA INTERMEDIATE BOND I Mutual Fund | — | — | — | $3K | <0.1% | |
| JP MORGAN CORE BOND R6 Mutual Fund | — | — | — | $2K | <0.1% | |
| MFS INTL DIVERSIFICATION R6 Mutual Fund | — | — | — | $1K | <0.1% | |
| VANGUARD REAL ESTATE IDX ADM Mutual Fund | — | — | — | $1K | <0.1% |
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