USA Debusk 401(k) Review & Grade
USA Debusk, LLC Retirement Plan
Deer Park, TXOther Services1,562 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$536Employer $ per active participant
$2,226Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$16.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity15.1 / 5030th percentile for employer $ per participant
- Low cost12.3 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 49th |
| Employee saving | 44th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $215,622 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- USA Debusk put in about $536 per active participant, below the typical peer ($1,257). 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.
- 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 | $836,705 |
| Participant (employee) contributions | $3,476,525 |
| Other contributions (incl. rollovers in) | $404,900 |
| Administrative expenses paid from the plan | $33,644 |
| Contract administrator fees | $33,644 |
| Benefits paid out | $1,139,448 |
| Net assets, start / end of year | $11.7M / $16.7M |
| Active participants, start / end of year | 1,570 / 1,553 |
| Participants with account balances | 499 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Calvetti Ferguson |
Largest service providers (Schedule C)
| Minnesota Life Insurance Company | $145,674 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014170618NAL0006973010001, received 2025-10-14, EIN 27-3834406, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.