Computer Services, Inc. 401(k) Review & Grade
Csi Retirement Plan
Paducah, KYInformation1,307 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,838Employer $ per active participant
$5,140Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$246.6MNet plan assets, end of year
$147,990Average balance per account
Score breakdown
- Employer generosity25.1 / 5050th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving3.5 / 1523th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 53th |
| Employee saving | 23th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,989 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Computer Services put in about $2,838 per active participant, more than the typical peer ($2,829). 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.
- 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 | $3,709,152 |
| Participant (employee) contributions | $6,717,671 |
| Other contributions (incl. rollovers in) | $1,702,221 |
| Administrative expenses paid from the plan | $494,208 |
| Investment advisory & management fees | $371,907 |
| Other admin expenses | $400 |
| Benefits paid out | $16,544,142 |
| Net assets, start / end of year | $230.5M / $246.6M |
| Active participants, start / end of year | 1,246 / 1,368 |
| Participants with account balances | 1,666 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Mesirow Financial Investment Manage | $268,497 reported compensation |
| Creative Planning Holdco LLC DBA CR | $104,161 reported compensation |
| Empower Annuity Insurance Company | $68,441 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250902114503NAL0008410291001, received 2025-09-02, EIN 61-0649699, plan #001, plan year 2024-03-01 to 2024-12-31. Verify at efast.dol.gov.