DTN US Holdings LLC 401(k) Review & Grade
DTN 401(k) Plan
Bloomington, MNProfessional, Scientific & Technical Services619 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,796Employer $ per active participant
$10,454Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$82.4MNet plan assets, end of year
$108,006Average balance per account
Score breakdown
- Employer generosity41.7 / 5083th percentile for employer $ per participant
- Low cost14.9 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 59th |
| Employee saving | 63th |
| Peers that auto-enroll | 48% |
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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 ($15,463 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,491 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- DTN US Holdings put in about $6,796 per active participant, more than the typical peer ($3,082). 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.
- 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 | $4,206,733 |
| Participant (employee) contributions | $6,471,049 |
| Other contributions (incl. rollovers in) | $1,067,223 |
| Administrative expenses paid from the plan | $136,567 |
| Investment advisory & management fees | $9,414 |
| Benefits paid out | $16,336,994 |
| Net assets, start / end of year | $78.1M / $82.4M |
| Active participants, start / end of year | 631 / 607 |
| Participants with account balances | 763 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bland & Associates |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $17,174 reported compensation |
| Towers Watson Investment Services | $9,366 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007152758NAL0004979873001, received 2025-10-07, EIN 61-1833477, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.