Darigold, Inc. 401(k) Review & Grade
Darigold, Inc. 401(k) Savings Plan
Seattle, WAManufacturing967 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,143Employer $ per active participant
$7,797Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$164.1MNet plan assets, end of year
$113,154Average balance per account
Score breakdown
- Employer generosity46.8 / 5094th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 63th |
| Employee saving | 79th |
| 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 ($10,307 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
- Darigold put in about $8,143 per active participant, more than the typical peer ($2,320). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $7,873,798 |
| Participant (employee) contributions | $7,539,354 |
| Other contributions (incl. rollovers in) | $4,139,280 |
| Administrative expenses paid from the plan | $240,324 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $142,558 |
| Benefits paid out | $32,733,228 |
| Net assets, start / end of year | $155.5M / $164.1M |
| Active participants, start / end of year | 913 / 1,021 |
| Participants with account balances | 1,450 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $81,179 reported compensation |
| Capfinancial Partners, Inc | $75,934 reported compensation |
| Strategic Advisors, Inc. | $66,624 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911144811NAL0000278627001, received 2025-09-11, EIN 91-0730043, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.