Dnata US Inflight Catering 401(k) Review & Grade
Dnata US Inflight Catering 401(k) PS Plan and Trust
White Plains, NYAccommodation & Food Services762 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,073Employer $ per active participant
$2,449Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$9.9MNet plan assets, end of year
$6,618Average balance per account
Score breakdown
- Employer generosity43.9 / 5088th percentile for employer $ per participant
- Low cost15.9 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 88th |
| Lower admin cost | 64th |
| Employee saving | 89th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,391 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dnata US Inflight Catering put in about $1,073 per active participant, more than the typical peer ($266). 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 | $816,909 |
| Participant (employee) contributions | $1,865,148 |
| Other contributions (incl. rollovers in) | $87,979 |
| Administrative expenses paid from the plan | $12,435 |
| Benefits paid out | $833,201 |
| Net assets, start / end of year | $7.1M / $9.9M |
| Active participants, start / end of year | 794 / 729 |
| Participants with account balances | 1,494 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Prager Metis Cpas LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $12,435 reported compensation |
| LPL | $0 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015171017NAL0002684947001, received 2025-10-15, EIN 26-0806438, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.