West Side DB LLC DBA Dutch Bros Coffee 401(k) Review & Grade
West Side DB LLC 401(k) Plan
Peoria, AZAccommodation & Food Services878 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$115Employer $ per active participant
$212Employee $ saved per active participant
0.87%Direct admin cost, % of plan assets
$2.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity13.9 / 5028th percentile for employer $ per participant
- Low cost2.1 / 259th percentile for low admin cost vs. same-size plans
- Employee saving1.8 / 1512th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 9th |
| Employee saving | 12th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,013 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- West Side DB LLC DBA Dutch Bros Coffee put in about $115 per active participant, below the typical peer ($266). 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 (0.87% of assets) are well above similar-size plans (0.23%). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $100,952 |
| Participant (employee) contributions | $186,038 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $15,473 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $36 |
| Benefits paid out | $59,046 |
| Net assets, start / end of year | $1.5M / $2.0M |
| Active participants, start / end of year | 736 / 1,020 |
| Participants with account balances | 115 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Fidelity Workplace Services LLC | $15,437 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007155138NAL0002590163001, received 2025-10-07, EIN 46-3562666, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.