Curbell, Inc 401(k) Review & Grade
Curbell, Inc. 401(k) Plan
Orchard Park, NYManufacturing536 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,237Employer $ per active participant
$6,094Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$77.1MNet plan assets, end of year
$128,346Average balance per account
Score breakdown
- Employer generosity24.2 / 5048th percentile for employer $ per participant
- Low cost18.5 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 74th |
| Employee saving | 65th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,165 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Curbell put in about $2,237 per active participant, below the typical peer ($2,320). 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.
- 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 | $1,198,173 |
| Participant (employee) contributions | $3,263,157 |
| Other contributions (incl. rollovers in) | $664,773 |
| Administrative expenses paid from the plan | $73,131 |
| Other admin expenses | $205 |
| Benefits paid out | $5,884,320 |
| Net assets, start / end of year | $69.9M / $77.1M |
| Active participants, start / end of year | 527 / 544 |
| Participants with account balances | 601 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dopkins & Company, LLP |
Largest service providers (Schedule C)
| Ascensus, LLC | $83,886 reported compensation |
| The Angell Pension Group, Inc | $10,215 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925132143NAL0010542035001, received 2025-09-25, EIN 16-0725141, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.