CSC 401(k) Review & Grade
CSC 401k Plan
Wilmington, DEProfessional, Scientific & Technical Services3,030 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,027Employer $ per active participant
$7,945Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$544.0MNet plan assets, end of year
$136,929Average balance per account
Score breakdown
- Employer generosity38.9 / 5078th percentile for employer $ per participant
- Low cost20.7 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 83th |
| Employee saving | 43th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,035 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- CSC put in about $5,027 per active participant, more than the typical peer ($2,951). 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 | $15,228,654 |
| Participant (employee) contributions | $24,070,699 |
| Other contributions (incl. rollovers in) | $2,631,758 |
| Administrative expenses paid from the plan | $209,744 |
| Other admin expenses | $209,744 |
| Benefits paid out | $28,123,288 |
| Net assets, start / end of year | $460.3M / $544.0M |
| Active participants, start / end of year | 2,987 / 3,072 |
| Participants with account balances | 3,973 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Gunnip & Company LLP |
Largest service providers (Schedule C)
| Vanguard Advisers Inc. | $129,870 reported compensation |
| The Vanguard Group, Inc. | $92,283 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015095009NAL0005710368001, received 2025-10-15, EIN 51-0009810, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.