Crest Industries, LLC 401(k) Review & Grade
Crest Industries, LLC & Affiliated Companies Profit Sharing 401(k) Plan and Trust
Pineville, LAManagement of Companies1,299 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,020Employer $ per active participant
$4,983Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$68.2MNet plan assets, end of year
$45,375Average balance per account
Score breakdown
- Employer generosity27.8 / 5056th percentile for employer $ per participant
- Low cost19.4 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1540th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score63 / 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 | 56th |
| Lower admin cost | 78th |
| Employee saving | 40th |
| 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
- Crest Industries put in about $3,020 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.
- 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 | $3,922,992 |
| Participant (employee) contributions | $6,473,196 |
| Other contributions (incl. rollovers in) | $494,777 |
| Administrative expenses paid from the plan | $52,128 |
| Investment advisory & management fees | $15,044 |
| Benefits paid out | $5,107,672 |
| Net assets, start / end of year | $54.2M / $68.2M |
| Active participants, start / end of year | 1,260 / 1,338 |
| Participants with account balances | 1,504 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eisneramper LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $23,959 reported compensation |
| Strategic Advisors, Inc. | $15,044 reported compensation |
| Eisneramper LLP | $13,125 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015081643NAL0004324465001, received 2025-10-15, EIN 72-0728139, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.