C2 Educational Systems, Inc. 401(k) Review & Grade
C2 Educational Systems 401(k) Profit Sharing Plan
Johns Creek, GAEducational Services1,278 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$631Employer $ per active participant
$1,519Employee $ saved per active participant
0.58%Direct admin cost, % of plan assets
$18.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity11.2 / 5022th percentile for employer $ per participant
- Low cost4.7 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 19th |
| Employee saving | 20th |
| Peers that auto-enroll | 37% |
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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
- C2 Educational Systems put in about $631 per active participant, below the typical peer ($1,225). 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.
- Direct plan expenses (0.58% 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 | $806,985 |
| Participant (employee) contributions | $1,941,412 |
| Other contributions (incl. rollovers in) | $414,648 |
| Administrative expenses paid from the plan | $95,661 |
| Investment advisory & management fees | $52,491 |
| Benefits paid out | $1,701,517 |
| Net assets, start / end of year | $14.7M / $18.4M |
| Active participants, start / end of year | 1,158 / 1,399 |
| Participants with account balances | 457 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dent Moses, LLP |
Largest service providers (Schedule C)
| Creative Planning LLC | $52,491 reported compensation |
| Fidelity Investments Institutional | $43,170 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013101255NAL0001085169001, received 2025-10-13, EIN 22-3884949, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.