D. Shelly Group, Inc. 401(k) Review & Grade
D. Shelly Group, Inc. 401(k) Retirement Savings Plan
Irvine, CARetail Trade638 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$727Employer $ per active participant
$3,235Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$28.1MNet plan assets, end of year
$81,025Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving8.3 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 43th |
| Employee saving | 55th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $398,974 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- D. Shelly Group put in about $727 per active participant, below the typical peer ($743). 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.
- 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 | $463,375 |
| Participant (employee) contributions | $2,062,162 |
| Other contributions (incl. rollovers in) | $63,036 |
| Administrative expenses paid from the plan | $74,390 |
| Investment advisory & management fees | $68,590 |
| Benefits paid out | $2,862,872 |
| Net assets, start / end of year | $25.1M / $28.1M |
| Active participants, start / end of year | 652 / 623 |
| Participants with account balances | 347 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Gyl Decauwer LLP |
Largest service providers (Schedule C)
| RBC Capital Markets LLC | $68,590 reported compensation |
| Capital Group Retirement Plan Svcs. | $5,800 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250623173254NAL0003859939001, received 2025-06-23, EIN 33-0840243, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.