C&k Market, Inc. 401(k) Review & Grade
C & K Market, Inc. 401(k) Plan
Medford, ORRetail Trade1,119 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2Employer $ per active participant
$1,290Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$33.0MNet plan assets, end of year
$20,031Average balance per account
Score breakdown
- Employer generosity2.7 / 505th percentile for employer $ per participant
- Low cost9.9 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 39th |
| Employee saving | 21th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- C&k Market put in about $2 per active participant, below the typical peer ($743). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,430 |
| Participant (employee) contributions | $1,443,833 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $100,548 |
| Investment advisory & management fees | $31,518 |
| Benefits paid out | $3,768,306 |
| Net assets, start / end of year | $31.9M / $33.0M |
| Active participants, start / end of year | 1,029 / 1,209 |
| Participants with account balances | 1,649 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $69,030 reported compensation |
| Sageview Advisory Group LLC | $31,518 reported compensation |
| Wealth Management Systems Inc | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014125709NAL0001413043001, received 2025-10-14, EIN 93-0564163, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.