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Original filing (PDF)20251010122234NAL0007710257001
DRG EMPLOYER LLC
Form 5500
FILING_RECEIVED
DRG EMPLOYER 401(K) PLAN
401(k) retirement plan
Signals · 1
~144 bps in Sched C fees
Active participants
1,686
Accounts w/ balance
306
Plan assets (EOY)
$4.8M
Net assets (EOY)
$4.8M
How this plan invests
This plan
1 pooled trust
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
65
Knocking points off
- 144 bps in Schedule C fees — 178% above peer band of 52 bps.
- Only 18% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for DRG EMPLOYER LLC.
Plan sponsor
Name
DRG EMPLOYER LLC
EIN
87-3377557
Address
2000 SOUTH COLORADO BOULEVARD TOWER · DENVER, CO · 80222
Phone
(262) 370-6541
Industry
Accommodation & Food Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $55K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMA SECURITIES LLC | — | NEW YORK, NY | INVESTMENT ADVISOR | $11K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $4K | — |
Investments
24 direct securities · 1 pooled fund· $4.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$4.6M
23 holdings
Common Collective Trust
$136K
1 holding
Mutual Funds
$93K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2045 Trgt Rtrmnt A N/R | — | — | — | $665K | 13.9% | |
| American Funds American Funds 2035 Trgt Rtrmnt A N/R | — | — | — | $646K | 13.5% | |
| Fidelity Investments Fidelity 500 Index Fund N/R | — | — | — | $559K | 11.7% | |
| American Funds American Funds 2050 Trgt Rtrmnt A N/R | — | — | — | $526K | 11.0% | |
| American Funds American Funds 2040 Trgt Rtrmnt A N/R | — | — | — | $393K | 8.2% | |
| Fully Benefit-Responsive Investment Contract * Empower Annuity Insurance EI Fixed Account - Series Class VI N/R | — | — | — | $366K | 7.6% | |
| American Funds American Funds 2055 Trgt RtrmntA N/R | — | — | — | $253K | 5.3% | |
| American Funds American Funds 2030 Trgt Rtrmnt A N/R | — | — | — | $228K | 4.8% | |
| American Funds American Funds 2060 Trgt Rtrmnt A N/R | — | — | — | $139K | 2.9% | |
| Fidelity Investments Fidelity International Index N/R | — | — | — | $136K | 2.8% | |
| LARGE CAP GROWTH FUND II FEE CLASS GREAT GRAY · EIN 31-4139848 / PN 626 | Common Collective Trust | — | — | $136K | 2.8% | |
| Fidelity Investments Advisor Total Bond Z N/R | — | — | — | $123K | 2.6% | |
| American Funds American Funds New World R6 N/R | — | — | — | $119K | 2.5% | |
| American Funds American Funds 2020 Trgt Rtrmnt A N/R 307 American Funds American Funds 2025 Trgt Rtrmnt A N/R | Mutual Funds | — | — | $93K | 2.0% | |
| Fidelity Investments Fidelity Mid Cap Index N/R | — | — | — | $75K | 1.6% | |
| Fidelity Investments Fidelity Small Cap Index N/R | — | — | — | $59K | 1.2% | |
| Participant Loans * Participant Loans Interest rates: 4.25% - 9.50% $0 | — | — | — | $54K | 1.1% | |
| JP Morgan Funds JP Morgan Equity Income R6 N/R | — | — | — | $47K | 1.0% | |
| T. Rowe Price Funds T. Rowe Price Overseas Stock N/R | — | — | — | $43K | 0.9% | |
| Fidelity Investments Fidelity Real Estate Index Institutional N/R | — | — | — | $42K | 0.9% | |
| MFS Investments MFS Mid Cap Value Fund Class R6 N/R | — | — | — | $27K | 0.6% | |
| T. Rowe Price Funds Empower T. Rowe Price Mid Cap Grwth N/R | — | — | — | $21K | 0.4% | |
| PIMCO Income N/R | — | — | — | $19K | 0.4% | |
| JP Morgan Funds Undiscovered Mngrs Behavioral Val R6 N/R | — | — | — | $13K | 0.3% | |
| Loomis Sayles Funds Loomis Sayles Small Cap Growth N/R | — | — | — | $10K | 0.2% |
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