Coach Road Capital 401(k) match, vesting and fees
What Coach Road Capital's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Insurance Company | Schedule C ↗ |
| Independent auditor | Hungerford (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 36,846 defined-contribution plans in retail trade with fewer than 100 participants.
| Coach Road Capital: employer contribution per participant | $635 | |
| Peer median | $1,376 |
| Coach Road Capital: average balance | $29,535 | |
| Peer median | $45,882 |
| Coach Road Capital: admin expenses ÷ assets | 1.16% | |
| Peer median | 0.47% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $889K at the end of plan year 2022 to $1.9M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 375 | $1.9M | $41K | $635 | 1.16% | Not published | Form 5500 ↗ |
| 2024 | 350 | $1.4M | $37K | $560 | 1.18% | Not published | Form 5500 ↗ |
| 2023 | 264 | $1.1M | $33K | $595 | 1.22% | Not published | Form 5500 ↗ |
| 2022 | 202 | $889K | $28K | $556 | 1.32% | Not published | Form 5500 ↗ |
Common questions
Does Coach Road Capital match 401(k) contributions?
The match terms for the US Retail, Inc. 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $41K in employer contributions, about $635 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Coach Road Capital 401(k) match vested?
The vesting schedule for the US Retail, Inc. 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Coach Road Capital 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Company. The plan administrator is Coach Road Capital, LLC.
I left Coach Road Capital. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Coach Road Capital, LLC, (616) 604-2914) or the recordkeeper, Empower Annuity Insurance Company. The Coach Road Capital old 401(k) page lists the contacts from every plan filing. Find an old Coach Road Capital 401(k)
Data from the public Form 5500 annual reports Coach Road Capital filed with the U.S. Department of Labor (plan years 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Coach Road Capital. Not financial advice. Report a correction · Methodology