Comoto Holdings,inc. 401(k) Review & Grade
Comoto Holdings, Inc. 401(k) Profit Sharing Plan & Trust
Philadelphia, PAProfessional, Scientific & Technical Services1,917 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$775Employer $ per active participant
$1,593Employee $ saved per active participant
0.48%Direct admin cost, % of plan assets
$37.8MNet plan assets, end of year
$37,424Average balance per account
Score breakdown
- Employer generosity8.5 / 5017th percentile for employer $ per participant
- Low cost6.1 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score19 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 24th |
| Employee saving | 8th |
| 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
- Comoto Holdings,inc. put in about $775 per active participant, below the typical peer ($3,082). 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 (0.48% 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 | $1,485,858 |
| Participant (employee) contributions | $3,054,130 |
| Other contributions (incl. rollovers in) | $219,161 |
| Administrative expenses paid from the plan | $164,614 |
| Contract administrator fees | $5,414 |
| Investment advisory & management fees | $56,086 |
| Benefits paid out | $2,170,116 |
| Net assets, start / end of year | $30.6M / $37.8M |
| Active participants, start / end of year | 1,247 / 2,587 |
| Participants with account balances | 1,011 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withum Smith Brown, PC |
Largest service providers (Schedule C)
| Fidelity Workplace Services LLC | $108,528 reported compensation |
| RBC Wealth Management | $55,695 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930092026NAL0005409475001, received 2025-09-30, EIN 81-1459652, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.