Cell Signaling Technology, Inc. 401(k) Review & Grade
Cell Signaling Technology 401(k) Plan
Danvers, MAManufacturing532 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,803Employer $ per active participant
$13,956Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$144.0MNet plan assets, end of year
$216,510Average balance per account
Score breakdown
- Employer generosity46.4 / 5093th percentile for employer $ per participant
- Low cost16.2 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving14.5 / 1597th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 65th |
| Employee saving | 97th |
| Peers that auto-enroll | 59% |
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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($49,007 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Cell Signaling Technology put in about $7,803 per active participant, more than the typical peer ($2,320). 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.
- 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,155,362 |
| Participant (employee) contributions | $7,431,380 |
| Other contributions (incl. rollovers in) | $364,951 |
| Administrative expenses paid from the plan | $189,966 |
| Contract administrator fees | $27,500 |
| Investment advisory & management fees | $74,464 |
| Other admin expenses | $88,002 |
| Benefits paid out | $7,427,870 |
| Net assets, start / end of year | $122.5M / $144.0M |
| Active participants, start / end of year | 537 / 528 |
| Participants with account balances | 665 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Commonwealth Equity Services DBA Co | $57,000 reported compensation |
| Compass 360 | $27,500 reported compensation |
| Empower Advisory Group, LLC | $17,464 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731115806NAL0005209793001, received 2025-07-31, EIN 04-3485744, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.