Adir International, LLC DBA Curacao 401(k) Review & Grade
Curacao 401(k) Plan
Los Angeles, CARetail Trade948 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$509Employer $ per active participant
$1,720Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$28.6MNet plan assets, end of year
$26,963Average balance per account
Score breakdown
- Employer generosity18.7 / 5037th percentile for employer $ per participant
- Low cost15.0 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 60th |
| Employee saving | 29th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $9,759 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Adir International, LLC DBA Curacao put in about $509 per active participant, below the typical peer ($743). 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 | $482,865 |
| Participant (employee) contributions | $1,630,975 |
| Other contributions (incl. rollovers in) | $6,712 |
| Administrative expenses paid from the plan | $45,491 |
| Investment advisory & management fees | $30,437 |
| Other admin expenses | $5 |
| Benefits paid out | $2,497,560 |
| Net assets, start / end of year | $25.7M / $28.6M |
| Active participants, start / end of year | 890 / 1,007 |
| Participants with account balances | 1,062 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Miller Kaplan Arase LLP |
Largest service providers (Schedule C)
| Morgan Stanley Global Banking Opera | $25,437 reported compensation |
| Merrill Lynch, Pierce, Fenner and S | $15,049 reported compensation |
| Pillsbury Winthrop Shaw Pittman LLP | $5,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014123145NAL0003936784001, received 2025-10-14, EIN 86-1142792, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.