Czarnowski Display Service, Inc. 401(k) Review & Grade
Czarnowski Display Service, Inc. 401(k) Plan
Chicago, ILProfessional, Scientific & Technical Services1,170 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,459Employer $ per active participant
$4,173Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$65.8MNet plan assets, end of year
$83,668Average balance per account
Score breakdown
- Employer generosity13.0 / 5026th percentile for employer $ per participant
- Low cost11.4 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 46th |
| Employee saving | 21th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $548,961 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Czarnowski Display Service put in about $1,459 per active participant, below the typical peer ($3,082). 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 | $1,708,283 |
| Participant (employee) contributions | $4,884,730 |
| Other contributions (incl. rollovers in) | $1,118,071 |
| Administrative expenses paid from the plan | $162,218 |
| Investment advisory & management fees | $93,020 |
| Benefits paid out | $7,512,675 |
| Net assets, start / end of year | $57.6M / $65.8M |
| Active participants, start / end of year | 1,208 / 1,133 |
| Participants with account balances | 787 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Pca Investment Advisory Services | $93,020 reported compensation |
| Fidelity Investments Institutional | $69,318 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014083909NAL0002416737001, received 2025-10-14, EIN 36-2695389, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.