Consolidated Asset Management Services, LLC 401(k) Review & Grade
Cams 401(k) Plan
Houston, TXManagement of Companies1,380 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,738Employer $ per active participant
$10,970Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$202.8MNet plan assets, end of year
$114,329Average balance per account
Score breakdown
- Employer generosity45.9 / 5092th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1587th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 44th |
| Employee saving | 87th |
| Peers that auto-enroll | 58% |
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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
- Consolidated Asset Management Services put in about $8,738 per active participant, more than the typical peer ($2,492). 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 | $12,053,479 |
| Participant (employee) contributions | $15,133,591 |
| Other contributions (incl. rollovers in) | $4,448,663 |
| Administrative expenses paid from the plan | $504,186 |
| Contract administrator fees | $350,255 |
| Investment advisory & management fees | $140,894 |
| Other admin expenses | $3,850 |
| Benefits paid out | $32,480,823 |
| Net assets, start / end of year | $167.9M / $202.8M |
| Active participants, start / end of year | 1,310 / 1,449 |
| Participants with account balances | 1,774 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe, LLP |
Largest service providers (Schedule C)
| Voya Retirement Advisors | $104,491 reported compensation |
| Ubs Financial Services, Inc | $73,576 reported compensation |
| Economic Group Pension Services, in | $39,681 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015164140NAL0002650579001, received 2025-10-15, EIN 41-2239010, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.