Capri Communities LLC 401(k) Review & Grade
Capri Senior Communities Retirement Plan
Waukesha, WIReal Estate & Rental684 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$419Employer $ per active participant
$2,459Employee $ saved per active participant
1.11%Direct admin cost, % of plan assets
$9.1MNet plan assets, end of year
$10,871Average balance per account
Score breakdown
- Employer generosity8.4 / 5017th percentile for employer $ per participant
- Low cost1.3 / 255th percentile for low admin cost vs. same-size plans
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 5th |
| Employee saving | 34th |
| Peers that auto-enroll | 47% |
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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Capri Communities put in about $419 per active participant, below the typical peer ($1,279). 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 (1.11% 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 | $286,735 |
| Participant (employee) contributions | $1,681,751 |
| Other contributions (incl. rollovers in) | $233,081 |
| Administrative expenses paid from the plan | $90,570 |
| Investment advisory & management fees | $19,749 |
| Benefits paid out | $1,109,630 |
| Net assets, start / end of year | $7.2M / $9.1M |
| Active participants, start / end of year | 656 / 712 |
| Participants with account balances | 838 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $70,821 reported compensation |
| LPL Financial Corporation Rpcp | $19,749 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910051759NAL0043961202001, received 2025-09-10, EIN 39-2030637, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.