Cordental Group Management, LLC 401(k) Review & Grade
Cordental Group Management, LLC 401(k) Plan
Cincinnati, OHAdministrative, Support & Staffing Services527 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,185Employer $ per active participant
$5,783Employee $ saved per active participant
0.92%Direct admin cost, % of plan assets
$29.5MNet plan assets, end of year
$45,703Average balance per account
Score breakdown
- Employer generosity33.0 / 5066th percentile for employer $ per participant
- Low cost1.9 / 258th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 8th |
| Employee saving | 82th |
| Peers that auto-enroll | 27% |
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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
- Cordental Group Management put in about $1,185 per active participant, more than the typical peer ($712). 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 (0.92% 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 | $624,581 |
| Participant (employee) contributions | $3,047,780 |
| Other contributions (incl. rollovers in) | $539,465 |
| Administrative expenses paid from the plan | $252,906 |
| Contract administrator fees | $51,577 |
| Investment advisory & management fees | $72,552 |
| Other admin expenses | $84,134 |
| Benefits paid out | $3,161,832 |
| Net assets, start / end of year | $25.5M / $29.5M |
| Active participants, start / end of year | 505 / 549 |
| Participants with account balances | 646 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dean Dorton Allen Ford PLLC |
Largest service providers (Schedule C)
| Hauser Retirement Solutions 2 LLC | $53,980 reported compensation |
| Ascensus Holdings | $51,577 reported compensation |
| Empower Annuity Ins Co of America | $44,643 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926101551NAL0003943875001, received 2025-09-26, EIN 38-4036446, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.