The Doe Run Resources Corporation 401(k) Review & Grade
The Doe Run Resources Corporation 401(k) Retirement Plan
Saint Louis, MOMining, Oil & Gas1,236 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,206Employer $ per active participant
$6,010Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$145.8MNet plan assets, end of year
$100,558Average balance per account
Score breakdown
- Employer generosity11.3 / 5023th percentile for employer $ per participant
- Low cost18.0 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 72th |
| Employee saving | 38th |
| Peers that auto-enroll | 60% |
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Red flags from the filing
Corrective distributions: the plan refunded $21,470 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Doe Run Resources put in about $2,206 per active participant, below the typical peer ($4,357). 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 | $2,726,302 |
| Participant (employee) contributions | $7,427,787 |
| Other contributions (incl. rollovers in) | $104,211 |
| Administrative expenses paid from the plan | $153,327 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $43,071 |
| Benefits paid out | $22,104,547 |
| Net assets, start / end of year | $137.0M / $145.8M |
| Active participants, start / end of year | 1,242 / 1,230 |
| Participants with account balances | 1,450 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $110,256 reported compensation |
| Cbiz Investment Advisory Services, | $43,071 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013162753NAL0000818723001, received 2025-10-13, EIN 13-1255630, plan #102, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.