Deka Research & Development Corp. 401(k) Review & Grade
Deka Research & Development Corp. 401(k) Plan
Manchester, NHProfessional, Scientific & Technical Services931 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,757Employer $ per active participant
$9,182Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$123.2MNet plan assets, end of year
$90,233Average balance per account
Score breakdown
- Employer generosity22.6 / 5045th percentile for employer $ per participant
- Low cost21.5 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1551th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 86th |
| Employee saving | 51th |
| 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
- Deka Research & Development put in about $2,757 per active participant, below the typical peer ($3,082). 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 | $2,566,645 |
| Participant (employee) contributions | $8,548,547 |
| Other contributions (incl. rollovers in) | $1,000,141 |
| Administrative expenses paid from the plan | $61,649 |
| Other admin expenses | $300 |
| Benefits paid out | $6,399,991 |
| Net assets, start / end of year | $102.9M / $123.2M |
| Active participants, start / end of year | 895 / 967 |
| Participants with account balances | 1,365 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Tawney, PLLC |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $61,349 reported compensation |
| Charles Schwab & Co., Inc. | $256 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014195853NAL0007324274001, received 2025-10-14, EIN 02-0361515, plan #333, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.