CTC Trading Group, LLC 401(k) Review & Grade
CTC Trading Group, L.L.C. 401(k) Plan and Retirement Trust
Chicago, ILFinance & Insurance667 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$12,230Employer $ per active participant
$24,654Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$352.4MNet plan assets, end of year
$391,943Average balance per account
Score breakdown
- Employer generosity47.7 / 5095th percentile for employer $ per participant
- Low cost23.8 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1599th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 95th |
| Employee saving | 99th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $7,278 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- CTC Trading Group put in about $12,230 per active participant, more than the typical peer ($3,606). 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.
- 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 | $8,157,203 |
| Participant (employee) contributions | $16,444,092 |
| Other contributions (incl. rollovers in) | $5,266,059 |
| Administrative expenses paid from the plan | $68,069 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $117,996 |
| Benefits paid out | $21,490,413 |
| Net assets, start / end of year | $292.1M / $352.4M |
| Active participants, start / end of year | 682 / 652 |
| Participants with account balances | 899 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warady & Davis, LLP |
Largest service providers (Schedule C)
| Nadler Financial Group, Inc. | $106,420 reported compensation |
| Strategic Advisors, Inc. | $11,576 reported compensation |
| Fidelity Investments Institutional | −$48,487 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250801124240NAL0007174209001, received 2025-08-01, EIN 27-3972658, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.