Dewberry Engineers Inc. 401(k) Review & Grade
Dewberry 401(k)/profit-Sharing Plan
Fairfax, VAProfessional, Scientific & Technical Services2,610 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,485Employer $ per active participant
$10,272Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$511.3MNet plan assets, end of year
$136,068Average balance per account
Score breakdown
- Employer generosity13.5 / 5027th percentile for employer $ per participant
- Low cost19.5 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1557th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 78th |
| Employee saving | 57th |
| Peers that auto-enroll | 47% |
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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
- Dewberry Engineers put in about $1,485 per active participant, below the typical peer ($2,951). 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 | $3,874,647 |
| Participant (employee) contributions | $26,803,902 |
| Other contributions (incl. rollovers in) | $5,509,289 |
| Administrative expenses paid from the plan | $244,630 |
| Contract administrator fees | $244,630 |
| Benefits paid out | $43,560,036 |
| Net assets, start / end of year | $450.6M / $511.3M |
| Active participants, start / end of year | 2,557 / 2,662 |
| Participants with account balances | 3,758 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cherry Bekaert |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $244,630 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006101352NAL0001777827001, received 2025-10-06, EIN 13-0746510, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.