Ccfi Companies, LLC 401(k) Review & Grade
Ccfi Companies, LLC 401(k) Plan
Dublin, OHOther Services2,201 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,076Employer $ per active participant
$1,716Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$68.5MNet plan assets, end of year
$56,880Average balance per account
Score breakdown
- Employer generosity22.3 / 5045th percentile for employer $ per participant
- Low cost9.6 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving5.6 / 1537th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 39th |
| Employee saving | 37th |
| Peers that auto-enroll | 40% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Ccfi Companies put in about $1,076 per active participant, below the typical peer ($1,257). 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 | $2,368,047 |
| Participant (employee) contributions | $3,776,173 |
| Other contributions (incl. rollovers in) | $922,629 |
| Administrative expenses paid from the plan | $207,809 |
| Investment advisory & management fees | $12,677 |
| Benefits paid out | $9,069,036 |
| Net assets, start / end of year | $62.2M / $68.5M |
| Active participants, start / end of year | 2,358 / 2,044 |
| Participants with account balances | 1,205 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Katz Sapper & Miller, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $195,132 reported compensation |
| LPL Financial LLC | $62,554 reported compensation |
| Leafhouse Financial Advisors, LLC | $12,677 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014070513NAL0002312305001, received 2025-10-14, EIN 87-2161861, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.