Ducommun Incorporated Retirement Savings Plan 401(k) Review & Grade
Ducommun Incorporated Retirement Savings Plan
Costa Mesa, CAManufacturing2,148 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,431Employer $ per active participant
$4,569Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$186.3MNet plan assets, end of year
$72,916Average balance per account
Score breakdown
- Employer generosity14.5 / 5029th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 55th |
| Employee saving | 45th |
| Peers that auto-enroll | 59% |
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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
- Ducommun Incorporated Retirement Savings Plan put in about $1,431 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $3,072,351 |
| Participant (employee) contributions | $9,811,115 |
| Other contributions (incl. rollovers in) | $1,178,684 |
| Administrative expenses paid from the plan | $356,034 |
| Contract administrator fees | $258,299 |
| Investment advisory & management fees | $72,000 |
| Benefits paid out | $24,324,621 |
| Net assets, start / end of year | $174.0M / $186.3M |
| Active participants, start / end of year | 2,191 / 2,104 |
| Participants with account balances | 2,555 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $258,299 reported compensation |
| Morgan Stanley | $72,000 reported compensation |
| Holthouse Carlin & Van T | $25,735 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015223050NAL0002926243001, received 2025-10-15, EIN 95-0693330, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.