C&s Worldwide Holdings, Inc. 401(k) Review & Grade
C & S Companies 401(k) Plan
Syracuse, NYProfessional, Scientific & Technical Services578 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,652Employer $ per active participant
$10,333Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$106.0MNet plan assets, end of year
$171,878Average balance per account
Score breakdown
- Employer generosity21.9 / 5044th percentile for employer $ per participant
- Low cost16.5 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving9.3 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 66th |
| Employee saving | 62th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $985 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- C&s Worldwide Holdings put in about $2,652 per active participant, below the typical peer ($3,082). 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.
- 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 | $1,534,374 |
| Participant (employee) contributions | $5,977,406 |
| Other contributions (incl. rollovers in) | $785,838 |
| Administrative expenses paid from the plan | $134,370 |
| Investment advisory & management fees | $85,639 |
| Benefits paid out | $6,657,528 |
| Net assets, start / end of year | $92.3M / $106.0M |
| Active participants, start / end of year | 575 / 582 |
| Participants with account balances | 617 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dannible & Mckee, LLP |
Largest service providers (Schedule C)
| Buckingham Asset Management | $55,306 reported compensation |
| Schwab Retirement Plan Services,inc | $48,581 reported compensation |
| Regions Bank | $30,333 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250801103531NAL0003153091001, received 2025-08-01, EIN 16-1588041, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.