National Community Renaissance 401(k) Review & Grade
National Community Renaissance Voluntary 401(k) Plan
Rancho Cucamonga, CAReal Estate & Rental531 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,797Employer $ per active participant
$3,043Employee $ saved per active participant
0.44%Direct admin cost, % of plan assets
$22.5MNet plan assets, end of year
$51,005Average balance per account
Score breakdown
- Employer generosity32.6 / 5065th percentile for employer $ per participant
- Low cost6.9 / 2527th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 27th |
| Employee saving | 43th |
| Peers that auto-enroll | 47% |
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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
- National Community Renaissance put in about $1,797 per active participant, more than the typical peer ($1,279). 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 (0.44% 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.
- 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 | $954,079 |
| Participant (employee) contributions | $1,615,843 |
| Other contributions (incl. rollovers in) | $146,940 |
| Administrative expenses paid from the plan | $89,458 |
| Contract administrator fees | $42,844 |
| Investment advisory & management fees | $46,614 |
| Benefits paid out | $1,106,071 |
| Net assets, start / end of year | $18.4M / $22.5M |
| Active participants, start / end of year | 505 / 557 |
| Participants with account balances | 442 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Novogradac & Company LLP |
Largest service providers (Schedule C)
| Morgan Stanley Global | $46,614 reported compensation |
| The Vanguard Group, Inc. | $42,844 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009151939NAL0004035123001, received 2025-10-09, EIN 20-8433042, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.