Christian Social Services of I 401(k) Review & Grade
403(b) Thrift Plan for Employees of Christian Social Services of Illinois D/B/A Caritas Family Solutions
Belleville, ILHealth Care & Social Assistance590 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$745Employer $ per active participant
$1,207Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$10.7MNet plan assets, end of year
$18,559Average balance per account
Score breakdown
- Employer generosity21.8 / 5044th percentile for employer $ per participant
- Low cost20.0 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 80th |
| Employee saving | 27th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($81,372 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
- Christian Social Services of I put in about $745 per active participant, below the typical peer ($976). 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.
- 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 | $440,022 |
| Participant (employee) contributions | $712,485 |
| Other contributions (incl. rollovers in) | $39,113 |
| Administrative expenses paid from the plan | $7,759 |
| Other admin expenses | $7,759 |
| Benefits paid out | $1,453,460 |
| Net assets, start / end of year | $9.6M / $10.7M |
| Active participants, start / end of year | 614 / 567 |
| Participants with account balances | 576 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino, LLP |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $7,715 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250904113852NAL0010010195001, received 2025-09-04, EIN 37-0661500, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.