Digital Realty Trust, L.P. 401(k) Review & Grade
Digital Realty Trust, L.P. 401(k) Plan
Dallas, TXReal Estate & Rental1,624 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,937Employer $ per active participant
$13,973Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$301.4MNet plan assets, end of year
$136,801Average balance per account
Score breakdown
- Employer generosity47.4 / 5095th percentile for employer $ per participant
- Low cost23.6 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1599th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 94th |
| Employee saving | 99th |
| Peers that auto-enroll | 47% |
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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 $6,542 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Digital Realty Trust, L.P. put in about $5,937 per active participant, more than the typical peer ($1,279). 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 | $9,639,033 |
| Participant (employee) contributions | $22,685,466 |
| Other contributions (incl. rollovers in) | $6,125,919 |
| Administrative expenses paid from the plan | $65,795 |
| Contract administrator fees | $600 |
| Benefits paid out | $22,884,635 |
| Net assets, start / end of year | $247.8M / $301.4M |
| Active participants, start / end of year | 1,485 / 1,762 |
| Participants with account balances | 2,203 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | KPMG |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $68,299 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014130939NAL0001395059001, received 2025-10-14, EIN 20-2402955, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.