Cjok, Inc. DBA Rairdon's Dodge Chrysler Jeep of Kirkland 401(k) Review & Grade
Rairdon Auto Group 401(k) Plan
Bothell, WARetail Trade570 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$577Employer $ per active participant
$2,323Employee $ saved per active participant
0.80%Direct admin cost, % of plan assets
$13.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity20.7 / 5041th percentile for employer $ per participant
- Low cost2.5 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 10th |
| Employee saving | 39th |
| Peers that auto-enroll | 48% |
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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
- Cjok, Inc. DBA Rairdon's Dodge Chrysler Jeep of Kirkland put in about $577 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.
- Direct plan expenses (0.80% 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.
- 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 | $328,708 |
| Participant (employee) contributions | $1,324,078 |
| Other contributions (incl. rollovers in) | $357,712 |
| Administrative expenses paid from the plan | $101,257 |
| Investment advisory & management fees | $101,257 |
| Benefits paid out | $613,036 |
| Net assets, start / end of year | $11.3M / $13.9M |
| Active participants, start / end of year | 578 / 562 |
| Participants with account balances | 230 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Sol LLC | $66,315 reported compensation |
| M Holdings Securities Inc | $49,101 reported compensation |
| Hunnex and Shoemaker Inc | $19,293 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924132207NAL0007593681001, received 2025-09-24, EIN 26-0425114, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.