CSG Systems, Inc. 401(k) Review & Grade
CSG Incentive Savings Plan
Englewood, COInformation2,096 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,147Employer $ per active participant
$11,348Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$688.4MNet plan assets, end of year
$236,251Average balance per account
Score breakdown
- Employer generosity44.7 / 5089th percentile for employer $ per participant
- Low cost20.5 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 82th |
| Employee saving | 68th |
| 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
- CSG Systems put in about $6,147 per active participant, more than the typical peer ($2,829). 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 | $12,886,293 |
| Participant (employee) contributions | $23,790,739 |
| Other contributions (incl. rollovers in) | $3,423,985 |
| Administrative expenses paid from the plan | $447,991 |
| Investment advisory & management fees | $286,931 |
| Other admin expenses | $55,000 |
| Benefits paid out | $76,140,941 |
| Net assets, start / end of year | $628.5M / $688.4M |
| Active participants, start / end of year | 2,161 / 2,032 |
| Participants with account balances | 2,914 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lutz and Company |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $286,931 reported compensation |
| Fidelity Investments Institutional | $106,060 reported compensation |
| Cook Street Consulting, Inc. | $55,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006111131NAL0001816435001, received 2025-10-06, EIN 47-0772478, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.