DRB Enterprises, LLC 401(k) Review & Grade
DRB Enterprises, LLC 401k Retirement Plan
Rockville, MDConstruction785 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,118Employer $ per active participant
$7,144Employee $ saved per active participant
0.40%Direct admin cost, % of plan assets
$49.7MNet plan assets, end of year
$66,390Average balance per account
Score breakdown
- Employer generosity38.8 / 5078th percentile for employer $ per participant
- Low cost7.7 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1583th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 31th |
| Employee saving | 83th |
| 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
- DRB Enterprises put in about $3,118 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.
- Direct plan expenses (0.40% 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 | $2,447,901 |
| Participant (employee) contributions | $5,608,079 |
| Other contributions (incl. rollovers in) | $807,629 |
| Administrative expenses paid from the plan | $177,521 |
| Contract administrator fees | $10,300 |
| Investment advisory & management fees | $67,541 |
| Benefits paid out | $4,385,060 |
| Net assets, start / end of year | $39.7M / $49.7M |
| Active participants, start / end of year | 731 / 839 |
| Participants with account balances | 749 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick |
Largest service providers (Schedule C)
| Kestra Advisory Services | $67,541 reported compensation |
| John Hancock Life Insurance Agency | $4,618 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930154712NAL0005571027001, received 2025-09-30, EIN 20-3419368, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.