Daiohs USA, Inc 401(k) Review & Grade
Daiohs USA, Inc 401(k) Savings and Profit Sharing Plan
Oak Brook Terrace, ILRetail Trade786 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$516Employer $ per active participant
$1,911Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$23.3MNet plan assets, end of year
$26,403Average balance per account
Score breakdown
- Employer generosity18.9 / 5038th percentile for employer $ per participant
- Low cost7.1 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving4.9 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 28th |
| Employee saving | 32th |
| Peers that auto-enroll | 48% |
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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 ($566 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
- Daiohs USA put in about $516 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.
- Direct plan expenses (0.43% 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 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 | $405,310 |
| Participant (employee) contributions | $1,500,917 |
| Other contributions (incl. rollovers in) | $222,407 |
| Administrative expenses paid from the plan | $95,717 |
| Contract administrator fees | $95,717 |
| Benefits paid out | $2,813,374 |
| Net assets, start / end of year | $21.5M / $23.3M |
| Active participants, start / end of year | 772 / 799 |
| Participants with account balances | 881 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| Transamerica Life Insurance Company | $56,870 reported compensation |
| Edward D. Jones & Company | $44,892 reported compensation |
| Nova 401(k) Associates | $17,230 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010162655NAL0004405763001, received 2025-10-10, EIN 95-4746377, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.