Rema Holdings LLC 401(k) Review & Grade
Cammeby's International LTD 401(k) Plan
New York, NYReal Estate & Rental711 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$790Employer $ per active participant
$3,877Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$46.8MNet plan assets, end of year
$115,600Average balance per account
Score breakdown
- Employer generosity16.2 / 5032th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving7.9 / 1552th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 70th |
| Employee saving | 52th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($15,136 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Rema Holdings put in about $790 per active participant, below the typical peer ($1,279). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $561,668 |
| Participant (employee) contributions | $2,756,545 |
| Other contributions (incl. rollovers in) | $19,347 |
| Administrative expenses paid from the plan | $50,594 |
| Investment advisory & management fees | $14,402 |
| Benefits paid out | $1,660,256 |
| Net assets, start / end of year | $39.7M / $46.8M |
| Active participants, start / end of year | 608 / 814 |
| Participants with account balances | 405 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Cbiz Cpas P.C. | $22,778 reported compensation |
| Fidelity Investments Institutional | $14,929 reported compensation |
| Elite Insurance Agency Inc | $7,331 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003111153NAL0000772531001, received 2025-10-03, EIN 84-3557193, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.