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Grade My 401(k)
Built by Basic Capital
1 critical issue

Divaris Real Estate, Inc.

54-1218421· Virginia Beach, VA· Principal· 2024 filing· vs 1,406 plans your size in your industry
C
0/100
Overall grade

Middle of the pack, with clear ways to do better.

D
Fees
B
Financial Wellness
B
Plan design
C
Compliance
Fees

Your plan pays around 50 bps of assets per year. Similar plans pay around 34 bps. Your plan is pricier than most similar plans.

D
cheaper67th percentilepricier
Financial Wellness

Strong savings. Employees put away $7,960/employee a year. That's more than 85% of similar plans.

B
lower85th percentilehigher
Plan design

Covers the basics. A few high-impact features are missing.

B
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Not safe harbor
The plan has to pass annual IRS nondiscrimination testing, which can cap what owners and higher earners are allowed to contribute.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health

1 critical issue on the latest filing. These need attention.

C
Late employee deposits
Employee 401(k) deposits didn't reach the plan on time. The DOL treats this as a prohibited transaction, and it's one of the most common audit triggers. It needs a formal correction, not just a late deposit.
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Key insights

  • Strongest area: financial wellness. Strong savings. Employees put away $7,960/employee a year. That's more than 85% of similar plans.
  • Best place to improve: fees. Your plan pays around 50 bps of assets per year. Similar plans pay around 34 bps. Your plan is pricier than most similar plans.
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