Ducks Unlimited, Inc. 401(k) Review & Grade
Ducks Unlimited, Inc. 401(k) Plan
Memphis, TNOther Services794 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,987Employer $ per active participant
$9,990Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$185.5MNet plan assets, end of year
$189,322Average balance per account
Score breakdown
- Employer generosity47.6 / 5095th percentile for employer $ per participant
- Low cost17.9 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving14.0 / 1593th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score90 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 72th |
| Employee saving | 93th |
| Peers that auto-enroll | 40% |
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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
- Ducks Unlimited put in about $6,987 per active participant, more than the typical peer ($1,257). 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 | $5,544,170 |
| Participant (employee) contributions | $7,927,303 |
| Other contributions (incl. rollovers in) | $665,248 |
| Administrative expenses paid from the plan | $190,260 |
| Investment advisory & management fees | $143,658 |
| Other admin expenses | $46,602 |
| Benefits paid out | $8,650,837 |
| Net assets, start / end of year | $158.9M / $185.5M |
| Active participants, start / end of year | 752 / 835 |
| Participants with account balances | 980 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas, P.C. |
Largest service providers (Schedule C)
| Wells Fargo Advisors LLC | $133,312 reported compensation |
| Ducks Unlimited Inc | $46,602 reported compensation |
| Empower Advisory Group, LLC | $10,346 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001135003NAL0016218400001, received 2025-10-01, EIN 13-5643799, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.