Colliers International USA, LLC 401(k) Review & Grade
Colliers International USA, LLC & Affiliated Employers 401(k) Plan
Seattle, WAReal Estate & Rental3,276 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,069Employer $ per active participant
$5,990Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$356.0MNet plan assets, end of year
$124,091Average balance per account
Score breakdown
- Employer generosity22.4 / 5045th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving11.0 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 59th |
| Employee saving | 73th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $566 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Colliers International USA put in about $1,069 per active participant, below the typical peer ($1,141). 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.
- 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 | $3,500,946 |
| Participant (employee) contributions | $19,621,334 |
| Other contributions (incl. rollovers in) | $3,696,409 |
| Administrative expenses paid from the plan | $315,512 |
| Contract administrator fees | $289,200 |
| Investment advisory & management fees | $26,312 |
| Benefits paid out | $37,301,586 |
| Net assets, start / end of year | $317.7M / $356.0M |
| Active participants, start / end of year | 3,264 / 3,287 |
| Participants with account balances | 2,869 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $289,200 reported compensation |
| Highland Capital Advisor | $21,943 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013222945NAL0002036081001, received 2025-10-13, EIN 45-3704406, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.