Dealer Computer Services, Inc. 401(k) Review & Grade
The Reynolds and Reynolds Company 401(k) Savings Plan
Dayton, OHInformation5,458 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,971Employer $ per active participant
$5,690Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$868.0MNet plan assets, end of year
$115,278Average balance per account
Score breakdown
- Employer generosity33.1 / 5066th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 54th |
| Employee saving | 29th |
| Peers that auto-enroll | 63% |
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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
- Dealer Computer Services put in about $4,971 per active participant, more than the typical peer ($3,691). 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 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 | $27,132,324 |
| Participant (employee) contributions | $31,058,589 |
| Other contributions (incl. rollovers in) | $937,670 |
| Administrative expenses paid from the plan | $889,967 |
| Investment advisory & management fees | $416,881 |
| Benefits paid out | $86,062,870 |
| Net assets, start / end of year | $760.0M / $868.0M |
| Active participants, start / end of year | 5,448 / 5,468 |
| Participants with account balances | 7,530 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $470,168 reported compensation |
| Empower Annuity Insurance Company | $355,440 reported compensation |
| Fiducient Advisors LLC | $81,135 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014151152NAL0003125937001, received 2025-10-14, EIN 38-3028101, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.