Delek US Holdings, Inc. 401(k) Review & Grade
Delek US 401(k) Plan
Brentwood, TNRetail Trade3,568 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,022Employer $ per active participant
$6,943Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$392.1MNet plan assets, end of year
$92,858Average balance per account
Score breakdown
- Employer generosity50.0 / 50100th percentile for employer $ per participant
- Low cost18.2 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 73th |
| Employee saving | 95th |
| Peers that auto-enroll | 42% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $18,958 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Delek US Holdings put in about $8,022 per active participant, more than the typical peer ($650). 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 | $28,618,727 |
| Participant (employee) contributions | $24,768,998 |
| Other contributions (incl. rollovers in) | $3,834,145 |
| Administrative expenses paid from the plan | $222,079 |
| Contract administrator fees | $1,500 |
| Investment advisory & management fees | $322,896 |
| Benefits paid out | $45,677,157 |
| Net assets, start / end of year | $334.5M / $392.1M |
| Active participants, start / end of year | 3,402 / 3,733 |
| Participants with account balances | 4,223 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Carr, Riggs & Ingram, LLC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $165,596 reported compensation |
| Raymond James | $90,000 reported compensation |
| Cri Cpas and Advisors | $88,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013163347NAL0000824035001, received 2025-10-13, EIN 52-2319066, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.