Chamber of Commerce of the United States of America 401(k) Review & Grade
Smart Plan for Employees of the Chamber of Commerce of the United States of America
Washington, DCOther Services1,174 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,317Employer $ per active participant
$6,163Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$221.4MNet plan assets, end of year
$188,895Average balance per account
Score breakdown
- Employer generosity46.5 / 5093th percentile for employer $ per participant
- Low cost19.5 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 78th |
| Employee saving | 83th |
| Peers that auto-enroll | 40% |
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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
- Chamber of Commerce of the United States of America put in about $6,317 per active participant, more than the typical peer ($1,257). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $7,412,548 |
| Participant (employee) contributions | $7,231,929 |
| Other contributions (incl. rollovers in) | $1,645,834 |
| Administrative expenses paid from the plan | $174,350 |
| Benefits paid out | $18,312,773 |
| Net assets, start / end of year | $193.2M / $221.4M |
| Active participants, start / end of year | 1,113 / 1,234 |
| Participants with account balances | 1,172 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | −$98,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015094218NAL0004209153001, received 2025-10-15, EIN 53-0045720, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.