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Grade My 401(k)
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1 issue

Dillard's, Inc.

71-0388071· Little Rock, AR· Milliman· 2024 filing· vs 6 plans your size
C
0/100
Overall grade

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

C
Fees
D
Financial Wellness
B
Plan design
B
Compliance
Fees

Your plan pays around 8 bps of assets per year. Similar plans pay around 9 bps. Your plan is about average for plans this size.

C
cheaper46th percentilepricier
Financial Wellness

Below-average savings. Employees put away $1,947/employee a year. That's less than 71% of similar plans.

D
lower29th percentilehigher
Plan design

Well-designed. Has the features that matter most.

B
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Safe harbor
Guaranteed employer contributions exempt the plan from annual IRS testing, so owners and higher earners can contribute the full limit.
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 item to review, nothing critical.

B
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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Milliman

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Key insights

  • Strongest area: plan design. Well-designed. Has the features that matter most.
  • Best place to improve: financial wellness. Below-average savings. Employees put away $1,947/employee a year. That's less than 71% of similar plans.
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