Coho Distributing LLC DBA Columbia Distributing 401(k) Review & Grade
Columbia Distributing 401(k) Retirement Plan
Wilsonville, ORWholesale Trade1,771 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,024Employer $ per active participant
$4,933Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$225.0MNet plan assets, end of year
$90,958Average balance per account
Score breakdown
- Employer generosity28.0 / 5056th percentile for employer $ per participant
- Low cost14.9 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1554th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 60th |
| Employee saving | 54th |
| Peers that auto-enroll | 53% |
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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
- Coho Distributing LLC DBA Columbia Distributing put in about $2,024 per active participant, more than the typical peer ($1,792). 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.
- 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 | $3,584,167 |
| Participant (employee) contributions | $8,736,073 |
| Other contributions (incl. rollovers in) | $441,937 |
| Administrative expenses paid from the plan | $360,965 |
| Other admin expenses | $360,965 |
| Benefits paid out | $20,039,578 |
| Net assets, start / end of year | $203.7M / $225.0M |
| Active participants, start / end of year | 1,766 / 1,776 |
| Participants with account balances | 2,474 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $191,786 reported compensation |
| Matisse Capital | $175,728 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250807111729NAL0004177456001, received 2025-08-07, EIN 26-2863088, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.