M.B.R. Management DBA Dominos 401(k) Review & Grade
M.B.R. Management DBA Dominos 401(k) Plan
Saint Charles, MOAccommodation & Food Services4,412 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$58Employer $ per active participant
$150Employee $ saved per active participant
2.49%Direct admin cost, % of plan assets
$6.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity10.2 / 5020th percentile for employer $ per participant
- Low cost0.1 / 250th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score9 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 2,500–9,999 active participants (104 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 0th |
| Employee saving | 6th |
| Peers that auto-enroll | 15% |
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Red flags from the filing
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- M.B.R. Management DBA Dominos put in about $58 per active participant, below the typical peer ($244). 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.
- Direct plan expenses (2.49% 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 | $254,306 |
| Participant (employee) contributions | $662,851 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $143,904 |
| Contract administrator fees | $143,904 |
| Benefits paid out | $284,731 |
| Net assets, start / end of year | $5.2M / $6.4M |
| Active participants, start / end of year | 4,423 / 4,400 |
| Participants with account balances | 1,201 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Conner Ash PC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $133,575 reported compensation |
| Retirement Plan Associates, Inc. | $12,960 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015190418NAL0005684673001, received 2025-10-15, EIN 43-1339828, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.