Communications Wkrs of America 401(k) Review & Grade
Communications Wkrs of America 401(k) Tax Deferred Savings Plan
Washington, DCOther Services531 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,748Employer $ per active participant
$8,595Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$103.0MNet plan assets, end of year
$176,119Average balance per account
Score breakdown
- Employer generosity44.9 / 5090th percentile for employer $ per participant
- Low cost18.5 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1590th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 74th |
| Employee saving | 90th |
| Peers that auto-enroll | 40% |
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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
- Communications Wkrs of America put in about $4,748 per active participant, more than the typical peer ($1,257). 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.
- 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 | $2,521,111 |
| Participant (employee) contributions | $4,563,717 |
| Other contributions (incl. rollovers in) | $663,868 |
| Administrative expenses paid from the plan | $96,226 |
| Contract administrator fees | $11,978 |
| Investment advisory & management fees | $6,250 |
| Benefits paid out | $6,208,717 |
| Net assets, start / end of year | $89.4M / $103.0M |
| Active participants, start / end of year | 467 / 595 |
| Participants with account balances | 585 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Calibre CPA Group PLLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $69,194 reported compensation |
| Eberts & Harrison Inc | $11,978 reported compensation |
| Slevin & Hart, P.C. | $8,805 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926144731NAL0004061539001, received 2025-09-26, EIN 53-0246709, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.