Coastal Ridge Management LLC 401(k) Review & Grade
Coastal Ridge Real Estate Partners 401(k) Plan
Columbus, OHReal Estate & Rental570 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,924Employer $ per active participant
$3,209Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$14.5MNet plan assets, end of year
$31,127Average balance per account
Score breakdown
- Employer generosity33.8 / 5068th percentile for employer $ per participant
- Low cost13.9 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving6.7 / 1545th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score57 / 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 | 68th |
| Lower admin cost | 56th |
| Employee saving | 45th |
| 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
- Coastal Ridge Management put in about $1,924 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.
- 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 | $1,096,607 |
| Participant (employee) contributions | $1,828,883 |
| Other contributions (incl. rollovers in) | $650,863 |
| Administrative expenses paid from the plan | $25,451 |
| Investment advisory & management fees | $5,076 |
| Other admin expenses | $1,418 |
| Benefits paid out | $3,037,994 |
| Net assets, start / end of year | $12.2M / $14.5M |
| Active participants, start / end of year | 539 / 601 |
| Participants with account balances | 467 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark, Schaefer, Hackett & Co. |
Largest service providers (Schedule C)
| Trinity Pension Consultants, Inc. | $19,699 reported compensation |
| Empower Annuity Insurance Company | $5,337 reported compensation |
| Empower Advisory Group, LLC | $5,076 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014100357NAL0001200451001, received 2025-10-14, EIN 47-5152254, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.