C&d Technologies, Inc. 401(k) Review & Grade
C&d Technologies Savings Plan
Blue Bell, PAManufacturing1,343 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,271Employer $ per active participant
$6,412Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$118.5MNet plan assets, end of year
$67,604Average balance per account
Score breakdown
- Employer generosity24.6 / 5049th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 55th |
| Employee saving | 68th |
| Peers that auto-enroll | 59% |
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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
- C&d Technologies put in about $2,271 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $3,049,424 |
| Participant (employee) contributions | $8,611,255 |
| Other contributions (incl. rollovers in) | $864,356 |
| Administrative expenses paid from the plan | $225,392 |
| Investment advisory & management fees | $22,592 |
| Other admin expenses | $60,000 |
| Benefits paid out | $15,813,581 |
| Net assets, start / end of year | $108.9M / $118.5M |
| Active participants, start / end of year | 1,329 / 1,357 |
| Participants with account balances | 1,753 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante and Moran PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $142,800 reported compensation |
| NFP | $60,000 reported compensation |
| Strategic Advisors, Inc. | $22,592 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250821141336NAL0008376434001, received 2025-08-21, EIN 13-3314599, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.