Dynamic Manufacturing, Inc. 401(k) Review & Grade
Dynamic Manufacturing, Inc. 401(k) Savings Plan
Hillside, ILManufacturing1,354 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,128Employer $ per active participant
$2,112Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$34.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity10.0 / 5020th percentile for employer $ per participant
- Low cost10.4 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1513th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score15 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 41th |
| Employee saving | 13th |
| 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 ($380,350 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Dynamic Manufacturing put in about $1,128 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 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 | $1,527,814 |
| Participant (employee) contributions | $2,859,189 |
| Other contributions (incl. rollovers in) | $966,772 |
| Administrative expenses paid from the plan | $95,313 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $37,193 |
| Benefits paid out | $4,256,954 |
| Net assets, start / end of year | $30.3M / $34.8M |
| Active participants, start / end of year | 1,285 / 1,423 |
| Participants with account balances | 660 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sikich CPA LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $58,120 reported compensation |
| Mma Securities | $30,620 reported compensation |
| Strategic Advisors, Inc. | $6,573 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250724144532NAL0002825091001, received 2025-07-24, EIN 36-3989759, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.