Core Campus, LLC 401(k) Review & Grade
Core Spaces 401(k) Plan
Chicago, ILReal Estate & Rental639 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,403Employer $ per active participant
$5,401Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$18.9MNet plan assets, end of year
$19,605Average balance per account
Score breakdown
- Employer generosity37.9 / 5076th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving10.6 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 58th |
| Employee saving | 70th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,123 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Core Campus put in about $2,403 per active participant, more than the typical peer ($1,279). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,535,199 |
| Participant (employee) contributions | $3,451,216 |
| Other contributions (incl. rollovers in) | $1,611,202 |
| Administrative expenses paid from the plan | $27,174 |
| Contract administrator fees | $27,174 |
| Benefits paid out | $1,246,284 |
| Net assets, start / end of year | $11.6M / $18.9M |
| Active participants, start / end of year | 550 / 728 |
| Participants with account balances | 966 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $93,816 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009133533NAL0003954307001, received 2025-10-09, EIN 45-2653240, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.