Dot Holdings Co 401(k) Review & Grade
Dot Holdings Co 401(k) and Profit Sharing Plan
Chesterfield, MOWholesale Trade6,986 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,580Employer $ per active participant
$4,603Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$673.8MNet plan assets, end of year
$85,118Average balance per account
Score breakdown
- Employer generosity40.7 / 5081th percentile for employer $ per participant
- Low cost15.1 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 60th |
| Employee saving | 34th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $311,853 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dot Holdings put in about $4,580 per active participant, more than the typical peer ($2,459). 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 | $31,993,838 |
| Participant (employee) contributions | $32,159,723 |
| Other contributions (incl. rollovers in) | $3,601,728 |
| Administrative expenses paid from the plan | $569,282 |
| Contract administrator fees | $341,685 |
| Investment advisory & management fees | $202,119 |
| Benefits paid out | $50,925,261 |
| Net assets, start / end of year | $582.8M / $673.8M |
| Active participants, start / end of year | 6,955 / 7,017 |
| Participants with account balances | 7,916 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Gray Hunter Stenn LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $384,885 reported compensation |
| Marsh USA LLC | $113,218 reported compensation |
| Sageview Advisory Group | $88,901 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014121000NAL0001325491001, received 2025-10-14, EIN 82-3213853, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.