D.G. Smith Enterprises Inc 401(k) Review & Grade
DG Smith Enterprises Inc 401k Profit Sharing Plan
Sacramento, CAManagement of Companies504 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$209Employer $ per active participant
$476Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$2.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.0 / 504th percentile for employer $ per participant
- Low cost19.1 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving0.3 / 152th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 4th |
| Lower admin cost | 76th |
| Employee saving | 2th |
| Peers that auto-enroll | 58% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- D.G. Smith Enterprises put in about $209 per active participant, below the typical peer ($2,492). 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.
- 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 | $105,596 |
| Participant (employee) contributions | $240,151 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $1,610 |
| Benefits paid out | $130,086 |
| Net assets, start / end of year | $1.6M / $2.0M |
| Active participants, start / end of year | 582 / 427 |
| Participants with account balances | 49 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250925131824NAL0003557363001, received 2025-09-25, EIN 94-2447098, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.