Dine' Development Corporation 401(k) Review & Grade
Dine' Development Corporation 401(k) Plan
Scottsdale, AZProfessional, Scientific & Technical Services619 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,852Employer $ per active participant
$9,012Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$42.5MNet plan assets, end of year
$63,314Average balance per account
Score breakdown
- Employer generosity31.1 / 5062th percentile for employer $ per participant
- Low cost16.1 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 64th |
| Employee saving | 49th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $3,324 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dine' Development put in about $3,852 per active participant, more than the typical peer ($3,082). 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.
- 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 | $2,384,187 |
| Participant (employee) contributions | $5,578,353 |
| Other contributions (incl. rollovers in) | $6,990,467 |
| Administrative expenses paid from the plan | $50,383 |
| Contract administrator fees | $1,027 |
| Investment advisory & management fees | $28,405 |
| Other admin expenses | $2,087 |
| Benefits paid out | $4,739,068 |
| Net assets, start / end of year | $27.7M / $42.5M |
| Active participants, start / end of year | 545 / 693 |
| Participants with account balances | 671 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Wilmington Trust National Assoc | $25,484 reported compensation |
| Fidelity Investments Institutional | $19,564 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009224119NAL0004238019001, received 2025-10-09, EIN 77-0651649, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.