Cu Cooperative Systems, Inc. 401(k) Review & Grade
Co-Op Solutions 401(k) Retirement Plan
Rancho Cucamonga, CAFinance & Insurance3,514 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,004Employer $ per active participant
$3,968Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$214.5MNet plan assets, end of year
$103,702Average balance per account
Score breakdown
- Employer generosity13.9 / 5028th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving0.6 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 51th |
| Employee saving | 4th |
| Peers that auto-enroll | 66% |
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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
- Cu Cooperative Systems put in about $3,004 per active participant, below the typical peer ($4,489). 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 | $10,557,577 |
| Participant (employee) contributions | $13,945,845 |
| Other contributions (incl. rollovers in) | $2,791,142 |
| Administrative expenses paid from the plan | $236,820 |
| Contract administrator fees | $1,200 |
| Other admin expenses | $37,155 |
| Benefits paid out | $24,999,028 |
| Net assets, start / end of year | $184.5M / $214.5M |
| Active participants, start / end of year | 1,932 / 5,097 |
| Participants with account balances | 2,068 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pricewaterhousecoopers LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $199,665 reported compensation |
| Capfinancial Partners, LLC. | $37,155 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014165827NAL0001677747001, received 2025-10-14, EIN 95-3732627, plan #033, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.