California Fish Grill, LLC 401(k) Review & Grade
California Fish Grill, LLC 401(k) Plan
Newport Beach, CAAccommodation & Food Services752 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$253Employer $ per active participant
$1,404Employee $ saved per active participant
0.90%Direct admin cost, % of plan assets
$5.1MNet plan assets, end of year
$5,678Average balance per account
Score breakdown
- Employer generosity24.3 / 5049th percentile for employer $ per participant
- Low cost2.0 / 258th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 8th |
| Employee saving | 74th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- California Fish Grill put in about $253 per active participant, below the typical peer ($266). 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.
- Direct plan expenses (0.90% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $189,963 |
| Participant (employee) contributions | $1,056,176 |
| Other contributions (incl. rollovers in) | $965,395 |
| Administrative expenses paid from the plan | $35,994 |
| Investment advisory & management fees | $17,654 |
| Other admin expenses | $5,615 |
| Benefits paid out | $319,583 |
| Net assets, start / end of year | $2.9M / $5.1M |
| Active participants, start / end of year | 724 / 780 |
| Participants with account balances | 900 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wright Ford Young & Co |
Largest service providers (Schedule C)
| Mma Securities LLC | $14,947 reported compensation |
| Empower Annuity Insur Co of America | $14,895 reported compensation |
| Trombino Pension Administrators Inc | $5,615 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922164351NAL0002248387001, received 2025-09-22, EIN 46-3850234, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.