Cop Collisionright Holdings, Inc. 401(k) Review & Grade
Collisionright 401(k) Plan
Dublin, OHOther Services1,492 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,456Employer $ per active participant
$2,783Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$32.8MNet plan assets, end of year
$42,414Average balance per account
Score breakdown
- Employer generosity28.2 / 5056th percentile for employer $ per participant
- Low cost9.4 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving8.3 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 38th |
| Employee saving | 55th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($137,593 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Cop Collisionright Holdings put in about $1,456 per active participant, more than the typical peer ($1,257). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,172,891 |
| Participant (employee) contributions | $4,153,885 |
| Other contributions (incl. rollovers in) | $2,405,513 |
| Administrative expenses paid from the plan | $93,562 |
| Contract administrator fees | $63,576 |
| Investment advisory & management fees | $29,986 |
| Benefits paid out | $3,995,145 |
| Net assets, start / end of year | $24.7M / $32.8M |
| Active participants, start / end of year | 1,357 / 1,628 |
| Participants with account balances | 774 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plancheck Cpa's, LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $63,576 reported compensation |
| Creative Planning, LLC | $30,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260826090735NAL0001021331001, received 2026-08-26, EIN 85-2099559, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.