DBM Global Inc. 401(k) Review & Grade
DBM Global, Inc. 401(k) Plan
Phoenix, AZConstruction2,212 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,168Employer $ per active participant
$4,976Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$137.9MNet plan assets, end of year
$57,873Average balance per account
Score breakdown
- Employer generosity30.8 / 5062th percentile for employer $ per participant
- Low cost11.3 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1564th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 45th |
| Employee saving | 64th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Auditor concern: the independent auditor gave a qualified or adverse opinion.
What to do if you're in this plan
- DBM Global put in about $2,168 per active participant, more than the typical peer ($1,672). 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.
- 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 | $4,795,424 |
| Participant (employee) contributions | $11,003,648 |
| Other contributions (incl. rollovers in) | $1,559,617 |
| Administrative expenses paid from the plan | $340,571 |
| Contract administrator fees | $333,071 |
| Benefits paid out | $14,681,317 |
| Net assets, start / end of year | $120.4M / $137.9M |
| Active participants, start / end of year | 2,295 / 2,128 |
| Participants with account balances | 2,382 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mansperger Patterson & Mcmullin PLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $348,877 reported compensation |
| Mansperger Patterson & M | $7,500 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013150353NAL0002254640001, received 2025-10-13, EIN 86-1033353, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.