Community Blood Center, Also DBA Community Tissue Services 401(k) Review & Grade
Cbc/cts 401k Plan
Dayton, OHHealth Care & Social Assistance1,122 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,802Employer $ per active participant
$5,205Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$79.1MNet plan assets, end of year
$54,436Average balance per account
Score breakdown
- Employer generosity43.4 / 5087th percentile for employer $ per participant
- Low cost19.2 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving12.1 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 77th |
| Employee saving | 81th |
| 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 ($347 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
- Community Blood Center, Also DBA Community Tissue Services put in about $3,802 per active participant, more than the typical peer ($976). 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 | $4,264,171 |
| Participant (employee) contributions | $5,837,937 |
| Other contributions (incl. rollovers in) | $510,588 |
| Administrative expenses paid from the plan | $68,096 |
| Benefits paid out | $15,119,305 |
| Net assets, start / end of year | $73.3M / $79.1M |
| Active participants, start / end of year | 1,238 / 1,005 |
| Participants with account balances | 1,454 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $68,096 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013083448NAL0001509808002, received 2025-10-13, EIN 31-0684163, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.