Doka USA, LTD. 401(k) Review & Grade
Doka USA, LTD. 401(k) Plan
Kenilworth, NJConstruction551 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,978Employer $ per active participant
$6,166Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$42.8MNet plan assets, end of year
$69,468Average balance per account
Score breakdown
- Employer generosity42.5 / 5085th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1577th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 51th |
| Employee saving | 77th |
| Peers that auto-enroll | 44% |
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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
- Doka USA put in about $3,978 per active participant, more than the typical peer ($1,672). 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 | $2,191,676 |
| Participant (employee) contributions | $3,397,537 |
| Other contributions (incl. rollovers in) | $468,496 |
| Administrative expenses paid from the plan | $85,673 |
| Investment advisory & management fees | $60,055 |
| Benefits paid out | $2,000,022 |
| Net assets, start / end of year | $34.1M / $42.8M |
| Active participants, start / end of year | 568 / 534 |
| Participants with account balances | 616 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sax LLP |
Largest service providers (Schedule C)
| Capfinancial Partners, LLC | $50,109 reported compensation |
| Adp, Inc. | $25,617 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015162150NAL0010610802001, received 2025-10-15, EIN 22-1866944, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.