Dayton-Heidelberg Distributiong Co., LLC 401(k) Review & Grade
Dayton-Heidelberg 401(k) Plan
Moraine, OHWholesale Trade1,493 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,547Employer $ per active participant
$2,904Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$102.1MNet plan assets, end of year
$93,370Average balance per account
Score breakdown
- Employer generosity20.9 / 5042th percentile for employer $ per participant
- Low cost11.8 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving3.2 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 47th |
| Employee saving | 21th |
| Peers that auto-enroll | 53% |
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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
- Dayton-Heidelberg Distributiong Co. put in about $1,547 per active participant, below the typical peer ($1,792). 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.
- 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 | $2,310,256 |
| Participant (employee) contributions | $4,335,494 |
| Other contributions (incl. rollovers in) | $674,780 |
| Administrative expenses paid from the plan | $248,905 |
| Investment advisory & management fees | $65,644 |
| Benefits paid out | $16,527,694 |
| Net assets, start / end of year | $97.1M / $102.1M |
| Active participants, start / end of year | 1,630 / 1,356 |
| Participants with account balances | 1,093 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | FHF |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $144,916 reported compensation |
| Morgan Stanley | $55,000 reported compensation |
| Esler & Vanderschaaff Co., Lpa | $33,345 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003115749NAL0001345425001, received 2025-10-03, EIN 31-0620091, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.