Creation Technologies International, Inc. 401(k) Review & Grade
Creation Technologies 401(k) Plan
Boston, MAManufacturing1,516 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,305Employer $ per active participant
$5,422Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$93.0MNet plan assets, end of year
$45,872Average balance per account
Score breakdown
- Employer generosity12.8 / 5026th percentile for employer $ per participant
- Low cost10.6 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1558th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 43th |
| Employee saving | 58th |
| Peers that auto-enroll | 59% |
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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
- Creation Technologies International put in about $1,305 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $1,979,006 |
| Participant (employee) contributions | $8,220,506 |
| Other contributions (incl. rollovers in) | $1,851,021 |
| Administrative expenses paid from the plan | $250,594 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $103,147 |
| Benefits paid out | $11,962,102 |
| Net assets, start / end of year | $83.8M / $93.0M |
| Active participants, start / end of year | 1,590 / 1,442 |
| Participants with account balances | 2,027 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cherry Bekaert |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $147,447 reported compensation |
| Creative Planning LLC | $84,492 reported compensation |
| Strategic Advisors, Inc. | $18,655 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015132629NAL0002483475001, received 2025-10-15, EIN 98-0404228, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.