Churchill Opco Holding LLC 401(k) Review & Grade
Churchill Opco Holding LLC 401(k) Plan
Robbinsville, NJOther Services625 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,595Employer $ per active participant
$2,880Employee $ saved per active participant
0.68%Direct admin cost, % of plan assets
$9.2MNet plan assets, end of year
$23,998Average balance per account
Score breakdown
- Employer generosity30.4 / 5061th percentile for employer $ per participant
- Low cost3.4 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving8.4 / 1556th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 14th |
| Employee saving | 56th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($280 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Churchill Opco Holding put in about $1,595 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.
- Direct plan expenses (0.68% 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $996,794 |
| Participant (employee) contributions | $1,799,997 |
| Other contributions (incl. rollovers in) | $768,061 |
| Administrative expenses paid from the plan | $50,851 |
| Contract administrator fees | $29,507 |
| Investment advisory & management fees | $10,672 |
| Other admin expenses | $10,672 |
| Benefits paid out | $1,058,996 |
| Net assets, start / end of year | $5.8M / $9.2M |
| Active participants, start / end of year | 553 / 697 |
| Participants with account balances | 383 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bryans & Gramuglia Cpas, LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $29,507 reported compensation |
| Merrill Lynch Pierce Fenner & Smith | $21,344 reported compensation |
| Teal, Becker & Chiaramonte, Cpas PC | $8,510 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929135204NAL0005069811001, received 2025-09-29, EIN 86-2370518, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.