Dpwn Holdings USA, Inc. 401(k) Review & Grade
DHL Retirement Savings Plan
Weston, FLTransportation & Warehousing10,692 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,198Employer $ per active participant
$6,081Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$1.4BNet plan assets, end of year
$87,523Average balance per account
Score breakdown
- Employer generosity38.9 / 5078th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving10.7 / 1571th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 10,000+ active participants (46 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 39th |
| Employee saving | 71th |
| Peers that auto-enroll | 30% |
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Red flags from the filing
Corrective distributions: the plan refunded $54,656 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dpwn Holdings USA put in about $4,198 per active participant, more than the typical peer ($1,415). 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.
- 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 | $44,887,524 |
| Participant (employee) contributions | $65,019,139 |
| Other contributions (incl. rollovers in) | $3,931,548 |
| Administrative expenses paid from the plan | $1,469,659 |
| Contract administrator fees | $3,300 |
| Investment advisory & management fees | $523,840 |
| Other admin expenses | $150,110 |
| Benefits paid out | $132,111,449 |
| Net assets, start / end of year | $1.2B / $1.4B |
| Active participants, start / end of year | 11,074 / 10,309 |
| Participants with account balances | 15,558 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $795,709 reported compensation |
| Watson Wyatt | $119,507 reported compensation |
| Crowe Horwath LLP | $30,603 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015144139NAL0002471715001, received 2025-10-15, EIN 94-3302567, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.