A. Duda & Sons, Inc. 401(k) Review & Grade
A. Duda & Sons, Inc. Retirement and Savings Plan
Oviedo, FLAgriculture, Forestry, Fishing & Hunting1,164 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,978Employer $ per active participant
$4,267Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$128.7MNet plan assets, end of year
$92,725Average balance per account
Score breakdown
- Employer generosity46.2 / 5092th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving11.4 / 1576th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 73th |
| Employee saving | 76th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($131,057 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- A. Duda & Sons put in about $3,978 per active participant, more than the typical peer ($774). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,628,120 |
| Participant (employee) contributions | $4,964,797 |
| Other contributions (incl. rollovers in) | $270,864 |
| Administrative expenses paid from the plan | $131,816 |
| Investment advisory & management fees | $59,500 |
| Benefits paid out | $21,903,144 |
| Net assets, start / end of year | $125.1M / $128.7M |
| Active participants, start / end of year | 1,183 / 1,144 |
| Participants with account balances | 1,388 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Rehmann Robson LLC |
Largest service providers (Schedule C)
| Cbiz | $59,500 reported compensation |
| Rehmann Robson | $42,635 reported compensation |
| T Rowe Price RPS Inc | $18,381 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015072314NAL0002047971001, received 2025-10-15, EIN 59-0700499, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.