DCS Corporation 401(k) Review & Grade
Deferred Salary Profit-Sharing Plan for Employees of DCS Corporation
Alexandria, VAProfessional, Scientific & Technical Services2,145 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,459Employer $ per active participant
$9,078Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$307.5MNet plan assets, end of year
$100,166Average balance per account
Score breakdown
- Employer generosity28.5 / 5057th percentile for employer $ per participant
- Low cost20.8 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving7.5 / 1550th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 83th |
| Employee saving | 50th |
| Peers that auto-enroll | 48% |
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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
- DCS put in about $3,459 per active participant, more than the typical peer ($3,082). 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.
- 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 | $7,419,439 |
| Participant (employee) contributions | $19,471,962 |
| Other contributions (incl. rollovers in) | $2,880,204 |
| Administrative expenses paid from the plan | $179,335 |
| Other admin expenses | $50,178 |
| Benefits paid out | $17,609,227 |
| Net assets, start / end of year | $258.1M / $307.5M |
| Active participants, start / end of year | 2,119 / 2,171 |
| Participants with account balances | 3,070 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $129,157 reported compensation |
| Creative Planning | $50,000 reported compensation |
| Charles Schwab & Co., Inc. | $2,139 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250807100842NAL0002123267001, received 2025-08-07, EIN 54-1044062, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.