Curia Global, Inc. 401(k) Review & Grade
Curia 401(k) Plan
Albany, NYManagement of Companies1,502 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,591Employer $ per active participant
$9,093Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$285.7MNet plan assets, end of year
$118,907Average balance per account
Score breakdown
- Employer generosity36.3 / 5073th percentile for employer $ per participant
- Low cost18.6 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 74th |
| Employee saving | 75th |
| Peers that auto-enroll | 58% |
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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
- Curia Global put in about $4,591 per active participant, more than the typical peer ($2,492). 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 | $6,892,703 |
| Participant (employee) contributions | $13,653,145 |
| Other contributions (incl. rollovers in) | $2,821,411 |
| Administrative expenses paid from the plan | $271,125 |
| Investment advisory & management fees | $101,208 |
| Other admin expenses | $17,045 |
| Benefits paid out | $34,387,515 |
| Net assets, start / end of year | $264.1M / $285.7M |
| Active participants, start / end of year | 1,684 / 1,319 |
| Participants with account balances | 2,403 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Uhy LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $152,872 reported compensation |
| Mma Securities | $67,048 reported compensation |
| Edelman Financial Engines | $50,934 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008171231NAL0010228128001, received 2025-10-08, EIN 14-1742717, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.