DRM, Inc. 401(k) Review & Grade
DRM, Inc. 401(k) Plan
Omaha, NEAccommodation & Food Services556 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$66Employer $ per active participant
$529Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$3.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity9.3 / 5019th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 19th |
| Lower admin cost | 38th |
| Employee saving | 32th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Corrective distributions: the plan refunded $20,564 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- DRM put in about $66 per active participant, below the typical peer ($266). 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.
- 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.
- 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 | $36,488 |
| Participant (employee) contributions | $293,862 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $11,470 |
| Contract administrator fees | $4,768 |
| Investment advisory & management fees | $6,702 |
| Benefits paid out | $1,343,012 |
| Net assets, start / end of year | $3.9M / $3.3M |
| Active participants, start / end of year | 579 / 533 |
| Participants with account balances | 115 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lutz & Company |
Largest service providers (Schedule C)
| Capfinancial Partners, LLC | $6,702 reported compensation |
| Newport Group, Inc. | $4,767 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008103515NAL0005704193001, received 2025-10-08, EIN 42-1092759, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.