The Crawford Group, Inc. 401(k) Review & Grade
Enterprise Holdings Retirement Savings Plan
Saint Louis, MOReal Estate & Rental71,702 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,301Employer $ per active participant
$3,554Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$6.5BNet plan assets, end of year
$77,284Average balance per account
Score breakdown
- Employer generosity35.0 / 5070th percentile for employer $ per participant
- Low cost24.2 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving6.0 / 1540th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: all industries, plans with 10,000+ active participants (fewer than 30 industry peers) (820 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 97th |
| Employee saving | 40th |
| Peers that auto-enroll | 50% |
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($18,957 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $5,405,215 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Crawford Group put in about $4,301 per active participant, more than the typical peer ($2,229). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $308,406,713 |
| Participant (employee) contributions | $254,834,480 |
| Other contributions (incl. rollovers in) | $12,409,230 |
| Administrative expenses paid from the plan | $402,094 |
| Benefits paid out | $465,181,139 |
| Net assets, start / end of year | $5.6B / $6.5B |
| Active participants, start / end of year | 72,024 / 71,379 |
| Participants with account balances | 84,341 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $402,094 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731085852NAL0002937747001, received 2025-07-31, EIN 43-1233684, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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