Dulcich, Inc. DBA Pacific Seafood Group 401(k) Review & Grade
Pacific Seafood Group 401(k) Profit Sharing Plan
Clackamas, ORManufacturing2,159 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$956Employer $ per active participant
$3,992Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$109.9MNet plan assets, end of year
$40,884Average balance per account
Score breakdown
- Employer generosity7.9 / 5016th percentile for employer $ per participant
- Low cost10.9 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1536th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 16th |
| Lower admin cost | 43th |
| Employee saving | 36th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $353 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dulcich, Inc. DBA Pacific Seafood Group put in about $956 per active participant, below the typical peer ($2,320). 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.
- 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 | $2,063,514 |
| Participant (employee) contributions | $8,619,124 |
| Other contributions (incl. rollovers in) | $296,211 |
| Administrative expenses paid from the plan | $292,410 |
| Investment advisory & management fees | $74,627 |
| Benefits paid out | $14,967,185 |
| Net assets, start / end of year | $101.1M / $109.9M |
| Active participants, start / end of year | 1,848 / 2,470 |
| Participants with account balances | 2,688 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $217,888 reported compensation |
| Cambridge Investment Research, Inc | $50,000 reported compensation |
| Strategic Advisors, Inc. | $24,627 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925165639NAL0003656643001, received 2025-09-25, EIN 93-0903333, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.