D&b Supply Co. 401(k) Review & Grade
D&b Supply Co. 401k Plan
Caldwell, IDRetail Trade658 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$578Employer $ per active participant
$2,450Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$18.4MNet plan assets, end of year
$27,532Average balance per account
Score breakdown
- Employer generosity20.8 / 5042th percentile for employer $ per participant
- Low cost22.8 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1541th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 91th |
| Employee saving | 41th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- D&b Supply put in about $578 per active participant, below the typical peer ($743). 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.
- 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.
- 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 | $380,325 |
| Participant (employee) contributions | $1,612,100 |
| Other contributions (incl. rollovers in) | $160,786 |
| Administrative expenses paid from the plan | $6,256 |
| Contract administrator fees | $6,256 |
| Benefits paid out | $1,510,519 |
| Net assets, start / end of year | $15.6M / $18.4M |
| Active participants, start / end of year | 665 / 651 |
| Participants with account balances | 667 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ripley Doorn and Company P.L.L.C. |
Largest service providers (Schedule C)
| American United Life Insurance Co | $112,262 reported compensation |
| Onedigital Investment Advsrs | $24,003 reported compensation |
| Alera Group Inc | $18,960 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014123736NAL0003962544001, received 2025-10-14, EIN 84-1612738, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.