Dura Supreme LLC 401(k) Review & Grade
Supreme Cabinetry Brands Retirement Savings Plan
Howard Lake, MNManufacturing1,296 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,167Employer $ per active participant
$3,989Employee $ saved per active participant
0.40%Direct admin cost, % of plan assets
$58.0MNet plan assets, end of year
$37,007Average balance per account
Score breakdown
- Employer generosity10.7 / 5021th percentile for employer $ per participant
- Low cost7.7 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 21th |
| Lower admin cost | 31th |
| Employee saving | 36th |
| Peers that auto-enroll | 59% |
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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
- Dura Supreme put in about $1,167 per active participant, below the typical peer ($2,320). 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.
- Direct plan expenses (0.40% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,512,191 |
| Participant (employee) contributions | $5,167,827 |
| Other contributions (incl. rollovers in) | $793,221 |
| Administrative expenses paid from the plan | $216,042 |
| Investment advisory & management fees | $76,427 |
| Benefits paid out | $6,842,709 |
| Net assets, start / end of year | $50.8M / $58.0M |
| Active participants, start / end of year | 1,258 / 1,333 |
| Participants with account balances | 1,566 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $139,615 reported compensation |
| Kestra Investment Services LLC | $62,357 reported compensation |
| Strategic Advisors, Inc. | $14,070 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250801131638NAL0003209907001, received 2025-08-01, EIN 41-1242440, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.