Drucker & Falk, Inc. 401(k) Review & Grade
Drucker & Falk, Inc. 401(k) Plan
Newport News, VAReal Estate & Rental826 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,631Employer $ per active participant
$3,428Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$38.7MNet plan assets, end of year
$43,338Average balance per account
Score breakdown
- Employer generosity30.7 / 5061th percentile for employer $ per participant
- Low cost23.0 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 92th |
| Employee saving | 48th |
| Peers that auto-enroll | 47% |
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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
- Drucker & Falk put in about $1,631 per active participant, more than the typical peer ($1,279). 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 | $1,347,200 |
| Participant (employee) contributions | $2,831,794 |
| Other contributions (incl. rollovers in) | $184,484 |
| Administrative expenses paid from the plan | $11,890 |
| Benefits paid out | $1,813,876 |
| Net assets, start / end of year | $31.1M / $38.7M |
| Active participants, start / end of year | 742 / 910 |
| Participants with account balances | 893 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pbmares, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $11,890 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013151006NAL0001489537001, received 2025-10-13, EIN 54-1859860, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.