Das Acquisition Company, LLC 401(k) Review & Grade
Das Acquisition Company 401(k) Profit Sharing Plan and Trust
ST. Louis, MOFinance & Insurance602 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1Employer $ per active participant
$4,029Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$37.2MNet plan assets, end of year
$57,901Average balance per account
Score breakdown
- Employer generosity0.8 / 502th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1513th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 2th |
| Lower admin cost | 51th |
| Employee saving | 13th |
| Peers that auto-enroll | 62% |
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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
- Das Acquisition Company put in about $1 per active participant, below the typical peer ($3,606). 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 | $403 |
| Participant (employee) contributions | $2,427,454 |
| Other contributions (incl. rollovers in) | $1,383,918 |
| Administrative expenses paid from the plan | $84,172 |
| Investment advisory & management fees | $12,259 |
| Benefits paid out | $9,613,009 |
| Net assets, start / end of year | $38.6M / $37.2M |
| Active participants, start / end of year | 677 / 528 |
| Participants with account balances | 643 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $61,710 reported compensation |
| Wipfli LLP | $11,400 reported compensation |
| Cetera Investment Advisers LLC | $11,063 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008132501NAL0005610833004, received 2025-10-08, EIN 43-1918759, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.