Dubois Chemicals, Inc. 401(k) Review & Grade
Dubois Chemicals, Inc. Retirement Savings Plan
Sharonville, OHManufacturing917 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,313Employer $ per active participant
$6,837Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$107.1MNet plan assets, end of year
$81,795Average balance per account
Score breakdown
- Employer generosity33.5 / 5067th percentile for employer $ per participant
- Low cost18.9 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 76th |
| Employee saving | 72th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($241,374 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Dubois Chemicals put in about $3,313 per active participant, more than the typical peer ($2,320). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,037,899 |
| Participant (employee) contributions | $6,269,927 |
| Other contributions (incl. rollovers in) | $705,726 |
| Administrative expenses paid from the plan | $95,143 |
| Contract administrator fees | $29,525 |
| Investment advisory & management fees | $59,368 |
| Other admin expenses | $6,250 |
| Benefits paid out | $12,118,764 |
| Net assets, start / end of year | $96.4M / $107.1M |
| Active participants, start / end of year | 940 / 894 |
| Participants with account balances | 1,309 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Barnes Denning & Co., LTD |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $36,718 reported compensation |
| Voya Retirement Advisors, LLC | $34,825 reported compensation |
| Barnes Dennig | $23,600 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015211644NAL0011273122001, received 2025-10-15, EIN 80-0244824, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.