Central Florida Investments, Inc. 401(k) Review & Grade
Central Florida Investments, Inc. 401(k) Savings and Retirement Plan
Orlando, FLReal Estate & Rental5,642 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,225Employer $ per active participant
$2,990Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$176.9MNet plan assets, end of year
$21,605Average balance per account
Score breakdown
- Employer generosity26.5 / 5053th percentile for employer $ per participant
- Low cost3.6 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving6.7 / 1545th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 14th |
| Employee saving | 45th |
| Peers that auto-enroll | 46% |
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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
- Central Florida Investments put in about $1,225 per active participant, more than the typical peer ($1,141). 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 (0.46% of assets) are well above similar-size plans (0.12%). 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 | $6,911,819 |
| Participant (employee) contributions | $16,868,008 |
| Other contributions (incl. rollovers in) | $1,038,997 |
| Administrative expenses paid from the plan | $773,574 |
| Benefits paid out | $29,601,705 |
| Net assets, start / end of year | $161.7M / $176.9M |
| Active participants, start / end of year | 6,018 / 5,266 |
| Participants with account balances | 8,186 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withum, Smith & Brown, PC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $732,197 reported compensation |
| Withum, Smith & Brown, PC | $32,136 reported compensation |
| Groom Law Group | $9,241 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002074845NAL0000662322001, received 2025-10-02, EIN 59-1454503, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.