Dineamic Group, LLC 401(k) Review & Grade
Dineamic Group 401(k) Plan
Chicago, ILProfessional, Scientific & Technical Services816 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$411Employer $ per active participant
$692Employee $ saved per active participant
0.55%Direct admin cost, % of plan assets
$2.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.9 / 5012th percentile for employer $ per participant
- Low cost5.0 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving0.6 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score15 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 12th |
| Lower admin cost | 20th |
| Employee saving | 4th |
| 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
- Dineamic Group put in about $411 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.
- Direct plan expenses (0.55% 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.
- 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 | $335,117 |
| Participant (employee) contributions | $564,569 |
| Other contributions (incl. rollovers in) | $2,075 |
| Administrative expenses paid from the plan | $11,026 |
| Investment advisory & management fees | $5,623 |
| Benefits paid out | $167,583 |
| Net assets, start / end of year | $1.5M / $2.5M |
| Active participants, start / end of year | 845 / 786 |
| Participants with account balances | 137 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Fgmk LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $5,402 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015051622NAL0001910867001, received 2025-10-15, EIN 45-3082020, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.