Delta Galil USA, Inc. 401(k) Review & Grade
Delta Employees 401(k) Profit Sharing Plan and Savings Plan
Secaucus, NJWholesale Trade1,192 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,779Employer $ per active participant
$4,723Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$64.4MNet plan assets, end of year
$41,845Average balance per account
Score breakdown
- Employer generosity24.8 / 5050th percentile for employer $ per participant
- Low cost6.9 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 28th |
| Employee saving | 51th |
| Peers that auto-enroll | 53% |
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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
- Delta Galil USA put in about $1,779 per active participant, below the typical peer ($1,792). 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.
- Direct plan expenses (0.43% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,120,374 |
| Participant (employee) contributions | $5,629,581 |
| Other contributions (incl. rollovers in) | $900,603 |
| Administrative expenses paid from the plan | $256,988 |
| Investment advisory & management fees | $116,146 |
| Benefits paid out | $5,945,760 |
| Net assets, start / end of year | $54.2M / $64.4M |
| Active participants, start / end of year | 1,114 / 1,270 |
| Participants with account balances | 1,539 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $140,842 reported compensation |
| Morganstanleysmithbarneyllc | $114,151 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923082044NAL0005475537001, received 2025-09-23, EIN 13-3272568, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.