Dutch Mafia, LLC 401(k) Review & Grade
Dutch Bros 401(k) Plan
Grants Pass, ORAccommodation & Food Services4,003 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$692Employer $ per active participant
$1,445Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$29.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity41.3 / 5083th percentile for employer $ per participant
- Low cost8.6 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1577th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 2,500–9,999 active participants (104 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 35th |
| Employee saving | 77th |
| Peers that auto-enroll | 15% |
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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
- Dutch Mafia put in about $692 per active participant, more than the typical peer ($244). 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.
- Direct plan expenses (0.20% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,769,896 |
| Participant (employee) contributions | $5,785,037 |
| Other contributions (incl. rollovers in) | $72,153 |
| Administrative expenses paid from the plan | $50,299 |
| Contract administrator fees | $50,299 |
| Benefits paid out | $3,251,741 |
| Net assets, start / end of year | $20.8M / $29.3M |
| Active participants, start / end of year | 4,023 / 3,983 |
| Participants with account balances | 1,176 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dahlin Accounting & Consulting LLC |
Largest service providers (Schedule C)
| Stancorp Financial Group | $188,458 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009141438NAL0003645587001, received 2025-10-09, EIN 47-5314245, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.