Ctos, LLC 401(k) Review & Grade
Ctos, LLC 401(k) Plan
Kansas City, MOOther Services2,390 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,189Employer $ per active participant
$5,100Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$128.7MNet plan assets, end of year
$45,357Average balance per account
Score breakdown
- Employer generosity34.9 / 5070th percentile for employer $ per participant
- Low cost11.5 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1576th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 46th |
| Employee saving | 76th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,431 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ctos put in about $2,189 per active participant, more than the typical peer ($1,257). 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 | $5,232,707 |
| Participant (employee) contributions | $12,191,129 |
| Other contributions (incl. rollovers in) | $2,777,092 |
| Administrative expenses paid from the plan | $302,192 |
| Investment advisory & management fees | $34,994 |
| Benefits paid out | $9,874,230 |
| Net assets, start / end of year | $104.6M / $128.7M |
| Active participants, start / end of year | 2,384 / 2,397 |
| Participants with account balances | 2,837 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bergankdv, LLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $267,198 reported compensation |
| Intellicents Investment Solutions I | $34,994 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930115748NAL0019366658001, received 2025-09-30, EIN 81-1853358, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.