DCC LPG Holdings, Inc. 401(k) Review & Grade
DCC 401(k) Retirement Plan
Roberts, ILUtilities2,214 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,543Employer $ per active participant
$4,839Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$143.1MNet plan assets, end of year
$54,198Average balance per account
Score breakdown
- Employer generosity4.7 / 509th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 157th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score6 / 100 · Grade F
This plan vs. peers
Peers: Utilities plans with 500–2,499 active participants (75 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 53th |
| Employee saving | 7th |
| Peers that auto-enroll | 76% |
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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 ($1,044,902 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $2,363 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- DCC LPG Holdings put in about $2,543 per active participant, below the typical peer ($6,264). 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.
- 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 | $5,628,512 |
| Participant (employee) contributions | $10,711,365 |
| Other contributions (incl. rollovers in) | $1,288,561 |
| Administrative expenses paid from the plan | $282,573 |
| Investment advisory & management fees | $48,000 |
| Benefits paid out | $17,317,816 |
| Net assets, start / end of year | $125.8M / $143.1M |
| Active participants, start / end of year | 2,112 / 2,315 |
| Participants with account balances | 2,640 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $234,740 reported compensation |
| Capfinancial Partners LLC | $48,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015112744NAL0002216115001, received 2025-10-15, EIN 30-1011501, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.