Apollonia Management Group, LLC 401(k) Review & Grade
Mint Dentistry 401(k) Plan
Dallas, TXHealth Care & Social Assistance650 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$36Employer $ per active participant
$2,472Employee $ saved per active participant
1.47%Direct admin cost, % of plan assets
$7.0MNet plan assets, end of year
$11,526Average balance per account
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost0.7 / 253th percentile for low admin cost vs. same-size plans
- Employee saving7.3 / 1549th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 3th |
| Employee saving | 49th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $67,794 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Apollonia Management Group put in about $36 per active participant, below the typical peer ($976). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (1.47% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $23,257 |
| Participant (employee) contributions | $1,605,304 |
| Other contributions (incl. rollovers in) | $56,386 |
| Administrative expenses paid from the plan | $89,539 |
| Contract administrator fees | $89,539 |
| Benefits paid out | $730,167 |
| Net assets, start / end of year | $5.2M / $7.0M |
| Active participants, start / end of year | 615 / 684 |
| Participants with account balances | 605 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bonadio & Co., LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $89,539 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015140600NAL0009630466001, received 2025-10-15, EIN 46-4190859, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.