Crunch Holdings, LLC 401(k) Review & Grade
Crunch 401(k) Plan
New York, NYArts, Entertainment & Recreation747 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$364Employer $ per active participant
$2,234Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$2.3MNet plan assets, end of year
$4,130Average balance per account
Score breakdown
- Employer generosity12.3 / 5025th percentile for employer $ per participant
- Low cost6.3 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1547th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 25th |
| Employee saving | 47th |
| Peers that auto-enroll | 38% |
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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
- Crunch Holdings put in about $364 per active participant, below the typical peer ($995). 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.
- Direct plan expenses (0.46% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $271,982 |
| Participant (employee) contributions | $1,668,696 |
| Other contributions (incl. rollovers in) | $387,492 |
| Administrative expenses paid from the plan | $10,847 |
| Contract administrator fees | $10,847 |
| Benefits paid out | $54,074 |
| Net assets, start / end of year | $0 / $2.3M |
| Active participants, start / end of year | 0 / 747 |
| Participants with account balances | 565 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | PKF O'connor Davies LLP |
Largest service providers (Schedule C)
| Economic Group Pension Services Inc | $7,295 reported compensation |
| Principal | $4,781 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923130714NAL0008054691001, received 2025-09-23, EIN 27-0561574, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.