Deroyal Industries, Inc. 401(k) Review & Grade
Deroyal Employees' Savings & Retirement Plan
Powell, TNManufacturing825 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,166Employer $ per active participant
$4,363Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$101.4MNet plan assets, end of year
$98,660Average balance per account
Score breakdown
- Employer generosity23.4 / 5047th percentile for employer $ per participant
- Low cost23.3 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 93th |
| Employee saving | 42th |
| Peers that auto-enroll | 59% |
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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
- Deroyal Industries put in about $2,166 per active participant, below the typical peer ($2,320). 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.
- 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 | $1,786,879 |
| Participant (employee) contributions | $3,599,760 |
| Other contributions (incl. rollovers in) | $259,525 |
| Administrative expenses paid from the plan | $27,982 |
| Benefits paid out | $8,748,690 |
| Net assets, start / end of year | $91.2M / $101.4M |
| Active participants, start / end of year | 835 / 815 |
| Participants with account balances | 1,028 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Redefer Moss & Co., PLLC |
Largest service providers (Schedule C)
| Rodefer Moss & Co, PLLC | $21,000 reported compensation |
| Transamerica Retirement Solutions | $6,982 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911153503NAL0000322403001, received 2025-09-11, EIN 62-1047215, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.