DPR Construction 401(k) Review & Grade
DPR Construction Retirement Savings Plan
Santa Clara, CAConstruction7,954 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,446Employer $ per active participant
$8,794Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$1.1BNet plan assets, end of year
$92,355Average balance per account
Score breakdown
- Employer generosity42.7 / 5085th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 51th |
| Employee saving | 83th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
Corrective distributions: the plan refunded $11,134 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- DPR Construction put in about $5,446 per active participant, more than the typical peer ($1,965). 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 | $43,315,043 |
| Participant (employee) contributions | $69,940,808 |
| Other contributions (incl. rollovers in) | $14,870,336 |
| Administrative expenses paid from the plan | $1,168,419 |
| Other admin expenses | $1,168,419 |
| Benefits paid out | $85,777,911 |
| Net assets, start / end of year | $888.0M / $1.1B |
| Active participants, start / end of year | 7,600 / 8,307 |
| Participants with account balances | 11,392 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | BPM LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $773,332 reported compensation |
| Vanguard Advisers Inc. | $442,267 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260311104104NAL0005064881001, received 2026-03-11, EIN 27-0853429, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.