Del Real Foods, LLC 401(k) Review & Grade
Del Real Foods, LLC 401(k) Plan
Mira Loma, CAManufacturing600 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,402Employer $ per active participant
$2,205Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$10.1MNet plan assets, end of year
$25,422Average balance per account
Score breakdown
- Employer generosity13.9 / 5028th percentile for employer $ per participant
- Low cost16.2 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving2.1 / 1514th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 65th |
| Employee saving | 14th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $319 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Del Real Foods put in about $1,402 per active participant, below the typical peer ($2,320). 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 | $840,981 |
| Participant (employee) contributions | $1,322,729 |
| Other contributions (incl. rollovers in) | $87,844 |
| Administrative expenses paid from the plan | $12,613 |
| Contract administrator fees | $12,613 |
| Benefits paid out | $736,764 |
| Net assets, start / end of year | $7.8M / $10.1M |
| Active participants, start / end of year | 591 / 609 |
| Participants with account balances | 399 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wright Ford Young & Company |
Largest service providers (Schedule C)
| Morgan Stanley | $36,544 reported compensation |
| Principal Life Insurance Company | $12,613 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929162805NAL0014101168001, received 2025-09-29, EIN 14-1879023, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.