Dekra North America, Inc. 401(k) Review & Grade
Dekra America, Inc. 401(k) Plan
Atlanta, GAOther Services518 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,197Employer $ per active participant
$7,237Employee $ saved per active participant
0.64%Direct admin cost, % of plan assets
$48.9MNet plan assets, end of year
$75,347Average balance per account
Score breakdown
- Employer generosity41.0 / 5082th percentile for employer $ per participant
- Low cost3.9 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving13.0 / 1587th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 16th |
| Employee saving | 87th |
| Peers that auto-enroll | 40% |
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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 ($2,204,418 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
- Dekra North America put in about $3,197 per active participant, more than the typical peer ($1,257). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 (0.64% 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,654,370 |
| Participant (employee) contributions | $3,744,953 |
| Other contributions (incl. rollovers in) | $264,456 |
| Administrative expenses paid from the plan | $298,246 |
| Contract administrator fees | $298,246 |
| Benefits paid out | $6,756,197 |
| Net assets, start / end of year | $44.5M / $48.9M |
| Active participants, start / end of year | 476 / 559 |
| Participants with account balances | 649 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Seay & Weissinger, LLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $164,661 reported compensation |
| Northwestern Mutual Wealth Mgmt Co | $116,547 reported compensation |
| Ascensus Holdings Inc DBA Futurepla | $13,986 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010162451NAL0008476065001, received 2025-10-10, EIN 47-0901723, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.