Market of Choice, Inc. 401(k) Review & Grade
Market of Choice 401(k) Plan
Eugene, ORRetail Trade790 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,863Employer $ per active participant
$2,987Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$47.0MNet plan assets, end of year
$44,525Average balance per account
Score breakdown
- Employer generosity41.6 / 5083th percentile for employer $ per participant
- Low cost7.0 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving7.5 / 1550th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 28th |
| Employee saving | 50th |
| 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
- Market of Choice put in about $1,863 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 (0.43% 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 | $1,470,580 |
| Participant (employee) contributions | $2,358,288 |
| Other contributions (incl. rollovers in) | $52,160 |
| Administrative expenses paid from the plan | $184,175 |
| Investment advisory & management fees | $69,861 |
| Other admin expenses | $300 |
| Benefits paid out | $2,354,534 |
| Net assets, start / end of year | $39.0M / $47.0M |
| Active participants, start / end of year | 825 / 754 |
| Participants with account balances | 1,055 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $114,014 reported compensation |
| Wells Fargo Advisors LLC | $69,861 reported compensation |
| Qdro Consultants Co LLC | $300 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260817153433NAL0014124865001, received 2026-08-17, EIN 93-0964788, plan #001, plan year 2024-11-01 to 2025-10-31. Verify at efast.dol.gov.