Delmar Gardens Enterprises, Inc. 401(k) Review & Grade
Delmar Gardens Enterprises, Inc. 401(k) Profit Sharing Plan
Chesterfield, MOHealth Care & Social Assistance3,476 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$225Employer $ per active participant
$1,112Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$80.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity15.8 / 5032th percentile for employer $ per participant
- Low cost20.3 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 81th |
| Employee saving | 27th |
| Peers that auto-enroll | 38% |
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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
- Delmar Gardens Enterprises put in about $225 per active participant, below the typical peer ($800). 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.
- 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 | $780,931 |
| Participant (employee) contributions | $3,866,006 |
| Other contributions (incl. rollovers in) | $658,193 |
| Administrative expenses paid from the plan | $34,119 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $24,000 |
| Benefits paid out | $8,886,074 |
| Net assets, start / end of year | $72.8M / $80.4M |
| Active participants, start / end of year | 2,960 / 3,993 |
| Participants with account balances | 1,120 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Smith Moore & Co | $24,000 reported compensation |
| Fidelity Investments Institutional | $10,119 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013133417NAL0000659219001, received 2025-10-13, EIN 43-1066632, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.