Oregon Child Development Coalition 401(k) Review & Grade
Ocdc 401(k) Plan
Wilsonville, OREducational Services1,069 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,601Employer $ per active participant
$2,452Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$59.5MNet plan assets, end of year
$41,597Average balance per account
Score breakdown
- Employer generosity44.8 / 5090th percentile for employer $ per participant
- Low cost14.1 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 56th |
| Employee saving | 43th |
| Peers that auto-enroll | 37% |
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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
- Oregon Child Development Coalition put in about $3,601 per active participant, more than the typical peer ($1,225). 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.
- 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 | $3,849,186 |
| Participant (employee) contributions | $2,620,960 |
| Other contributions (incl. rollovers in) | $141,951 |
| Administrative expenses paid from the plan | $104,102 |
| Investment advisory & management fees | $6,643 |
| Benefits paid out | $4,149,005 |
| Net assets, start / end of year | $51.5M / $59.5M |
| Active participants, start / end of year | 1,069 / 1,069 |
| Participants with account balances | 1,431 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Aldrich Cpas + Advisors LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $97,459 reported compensation |
| Empower Advisory Group, LLC | $6,643 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260317132121NAL0003558112001, received 2026-03-17, EIN 93-0591240, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.