Direct Travel, Inc. 401(k) Review & Grade
Direct Travel 401(k) Plan
Centennial, COAdministrative, Support & Staffing Services1,156 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,775Employer $ per active participant
$7,021Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$133.9MNet plan assets, end of year
$91,415Average balance per account
Score breakdown
- Employer generosity37.8 / 5076th percentile for employer $ per participant
- Low cost13.1 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving13.4 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 52th |
| Employee saving | 90th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Direct Travel put in about $1,775 per active participant, more than the typical peer ($712). 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 | $2,051,514 |
| Participant (employee) contributions | $8,116,469 |
| Other contributions (incl. rollovers in) | $1,137,639 |
| Administrative expenses paid from the plan | $270,320 |
| Investment advisory & management fees | $155,783 |
| Benefits paid out | $13,976,279 |
| Net assets, start / end of year | $121.4M / $133.9M |
| Active participants, start / end of year | 1,259 / 1,053 |
| Participants with account balances | 1,465 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Wells Fargo | $155,783 reported compensation |
| Adp, Inc. | $114,537 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260915160703NAL0003006337001, received 2026-09-15, EIN 45-3123475, plan #001, plan year 2024-12-01 to 2025-11-30. Verify at efast.dol.gov.