Dyn 365, Inc. 401(k) Review & Grade
Restaurant 365 401(k) Plan
Irvine, CAProfessional, Scientific & Technical Services694 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,349Employer $ per active participant
$7,504Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$31.8MNet plan assets, end of year
$52,109Average balance per account
Score breakdown
- Employer generosity27.7 / 5055th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1539th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 44th |
| Employee saving | 39th |
| Peers that auto-enroll | 48% |
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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 ($338,109 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,664 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dyn 365 put in about $3,349 per active participant, more than the typical peer ($3,082). 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 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 | $2,324,002 |
| Participant (employee) contributions | $5,207,638 |
| Other contributions (incl. rollovers in) | $3,351,469 |
| Administrative expenses paid from the plan | $68,937 |
| Contract administrator fees | $8,069 |
| Investment advisory & management fees | $60,868 |
| Benefits paid out | $1,253,331 |
| Net assets, start / end of year | $18.9M / $31.8M |
| Active participants, start / end of year | 618 / 770 |
| Participants with account balances | 610 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wright Ford Young & Co. |
Largest service providers (Schedule C)
| Pensionmark Financial Group, LLC | $37,699 reported compensation |
| World Investment Advisors LLC | $16,769 reported compensation |
| John Hancock | $8,069 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251119121418NAL0003962545001, received 2025-11-19, EIN 45-2758311, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.