Deem, LLC 401(k) Review & Grade
Deem/csc/gbi 401(k) Plan
Fishers, INConstruction1,086 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,228Employer $ per active participant
$6,786Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$71.6MNet plan assets, end of year
$54,162Average balance per account
Score breakdown
- Employer generosity19.0 / 5038th percentile for employer $ per participant
- Low cost10.4 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 42th |
| Employee saving | 82th |
| Peers that auto-enroll | 44% |
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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
- Deem put in about $1,228 per active participant, below the typical peer ($1,672). 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 | $1,333,885 |
| Participant (employee) contributions | $7,369,082 |
| Other contributions (incl. rollovers in) | $169,619 |
| Administrative expenses paid from the plan | $194,655 |
| Investment advisory & management fees | $92,624 |
| Benefits paid out | $7,433,265 |
| Net assets, start / end of year | $61.9M / $71.6M |
| Active participants, start / end of year | 934 / 1,238 |
| Participants with account balances | 1,322 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $102,031 reported compensation |
| LPL Financial LLC | $92,624 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013142135NAL0000703843001, received 2025-10-13, EIN 46-0477187, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.