Consolidated Asset Management Services, LLC 401(k) Review & Grade
Cams Union Retirement Plan
Houston, TXManagement of Companies720 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$9,168Employer $ per active participant
$13,217Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$89.5MNet plan assets, end of year
$121,211Average balance per account
Score breakdown
- Employer generosity46.8 / 5094th percentile for employer $ per participant
- Low cost10.7 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 43th |
| Employee saving | 94th |
| 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 $9,168 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 | $6,600,901 |
| Participant (employee) contributions | $9,516,332 |
| Other contributions (incl. rollovers in) | $434,631 |
| Administrative expenses paid from the plan | $230,056 |
| Contract administrator fees | $160,334 |
| Investment advisory & management fees | $57,634 |
| Other admin expenses | $1,550 |
| Benefits paid out | $12,391,877 |
| Net assets, start / end of year | $73.0M / $89.5M |
| Active participants, start / end of year | 674 / 766 |
| Participants with account balances | 738 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe, LLP |
Largest service providers (Schedule C)
| Usb Financial Services, Inc | $57,831 reported compensation |
| Voya Retirement Advisors, LLC | $49,836 reported compensation |
| Usb Financial Services, Inc | $33,476 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015163944NAL0006951440001, received 2025-10-15, EIN 41-2239010, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.