Jje Capital Holdings, LLC 401(k) Review & Grade
Jje Capital Holdings, LLC 401(k) Plan
Columbia, SCRetail Trade1,650 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,550Employer $ per active participant
$2,070Employee $ saved per active participant
0.44%Direct admin cost, % of plan assets
$23.3MNet plan assets, end of year
$13,115Average balance per account
Score breakdown
- Employer generosity38.3 / 5077th percentile for employer $ per participant
- Low cost6.9 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 28th |
| Employee saving | 35th |
| 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
- Jje Capital Holdings put in about $1,550 per active participant, more than the typical peer ($743). 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.
- Direct plan expenses (0.44% 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.
- 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 | $2,556,161 |
| Participant (employee) contributions | $3,415,184 |
| Other contributions (incl. rollovers in) | $1,666,013 |
| Administrative expenses paid from the plan | $84,509 |
| Investment advisory & management fees | $31,799 |
| Benefits paid out | $1,976,890 |
| Net assets, start / end of year | $15.5M / $23.3M |
| Active participants, start / end of year | 1,588 / 1,711 |
| Participants with account balances | 1,779 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bauknight, Pietras and Stormer |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $52,710 reported compensation |
| First Citizens Bank and Trust Compa | $29,463 reported compensation |
| Empower Advisory Group, LLC | $2,336 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014153127NAL0004394144001, received 2025-10-14, EIN 82-3094078, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.