Dometic Corporation 401(k) Review & Grade
Dometic Corporation 401(k) Savings Plan
Chicago, ILManufacturing1,678 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,337Employer $ per active participant
$4,462Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$134.3MNet plan assets, end of year
$57,844Average balance per account
Score breakdown
- Employer generosity25.2 / 5050th percentile for employer $ per participant
- Low cost14.7 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1544th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-20 pts2 issues reported on the filing
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 59th |
| Employee saving | 44th |
| Peers that auto-enroll | 59% |
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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 ($29,380 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Dometic put in about $2,337 per active participant, more than the typical peer ($2,320). 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 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 | $3,922,082 |
| Participant (employee) contributions | $7,487,552 |
| Other contributions (incl. rollovers in) | $2,070,026 |
| Administrative expenses paid from the plan | $217,785 |
| Contract administrator fees | $300 |
| Benefits paid out | $14,137,786 |
| Net assets, start / end of year | $116.8M / $134.3M |
| Active participants, start / end of year | 1,648 / 1,708 |
| Participants with account balances | 2,322 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $217,976 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014143222NAL0001549667001, received 2025-10-14, EIN 32-0145464, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.