Disabled American Veterans 401(k) Review & Grade
Savings & Investment Plan for Employees of Disabled American Veterans
Erlanger, KYOther Services557 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,590Employer $ per active participant
$5,062Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$77.0MNet plan assets, end of year
$102,852Average balance per account
Score breakdown
- Employer generosity44.6 / 5089th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 52th |
| Employee saving | 75th |
| Peers that auto-enroll | 40% |
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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
- Disabled American Veterans put in about $4,590 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.
- 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 | $2,556,868 |
| Participant (employee) contributions | $2,819,634 |
| Other contributions (incl. rollovers in) | $48,434 |
| Administrative expenses paid from the plan | $163,042 |
| Investment advisory & management fees | $155,202 |
| Benefits paid out | $10,536,241 |
| Net assets, start / end of year | $74.3M / $77.0M |
| Active participants, start / end of year | 547 / 567 |
| Participants with account balances | 749 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $155,202 reported compensation |
| Empower Annuity Insurance Company | $7,840 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250927080656NAL0009928625001, received 2025-09-27, EIN 31-0263158, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.