DLR Holding Company 401(k) Review & Grade
DLR Group 401(k) Plan and Esop
Omaha, NEProfessional, Scientific & Technical Services1,592 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,704Employer $ per active participant
$11,365Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$477.8MNet plan assets, end of year
$211,211Average balance per account
Score breakdown
- Employer generosity22.2 / 5044th percentile for employer $ per participant
- Low cost23.4 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 94th |
| Employee saving | 69th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $7,123 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- DLR Holding put in about $2,704 per active participant, below the typical peer ($3,082). 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.
- 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 | $4,305,550 |
| Participant (employee) contributions | $18,093,352 |
| Other contributions (incl. rollovers in) | $24,997,042 |
| Administrative expenses paid from the plan | $118,090 |
| Investment advisory & management fees | $55,397 |
| Benefits paid out | $53,886,522 |
| Net assets, start / end of year | $395.6M / $477.8M |
| Active participants, start / end of year | 1,550 / 1,634 |
| Participants with account balances | 2,262 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lutz & Company P.C. |
| Employer stock held by plan | $283,792,068 |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $62,693 reported compensation |
| Bridges Investment Management | $55,397 reported compensation |
| Mariner LLC | $19,356 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260708131244NAL0020090305001, received 2026-07-08, EIN 47-0708506, plan #004, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.