Champions Group 401(k) Review & Grade
Champions Group 401(k) Safe Harbor Plan
Brea, CAConstruction560 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,865Employer $ per active participant
$3,998Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$16.8MNet plan assets, end of year
$40,045Average balance per account
Score breakdown
- Employer generosity27.8 / 5056th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 39th |
| Employee saving | 51th |
| Peers that auto-enroll | 44% |
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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
- Champions Group put in about $1,865 per active participant, more than the typical peer ($1,672). 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.
- 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 | $1,044,666 |
| Participant (employee) contributions | $2,238,832 |
| Other contributions (incl. rollovers in) | $468,706 |
| Administrative expenses paid from the plan | $52,462 |
| Investment advisory & management fees | $21,527 |
| Benefits paid out | $6,016,402 |
| Net assets, start / end of year | $0 / $16.8M |
| Active participants, start / end of year | 480 / 640 |
| Participants with account balances | 419 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $30,935 reported compensation |
| Sageview Advisory Group LLC | $20,788 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015190516NAL0011134146001, received 2025-10-15, EIN 33-0896958, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.