C.K.S. Packaging, Inc. 401(k) Review & Grade
CKS Packaging, Inc. 401k Plan
Atlanta, GAManufacturing2,978 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$977Employer $ per active participant
$2,904Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$84.4MNet plan assets, end of year
$28,123Average balance per account
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost12.5 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1514th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 50th |
| Employee saving | 14th |
| Peers that auto-enroll | 70% |
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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
- C.K.S. Packaging put in about $977 per active participant, below the typical peer ($3,452). 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.
- 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 | $2,908,469 |
| Participant (employee) contributions | $8,649,207 |
| Other contributions (incl. rollovers in) | $464,249 |
| Administrative expenses paid from the plan | $96,082 |
| Benefits paid out | $8,640,996 |
| Net assets, start / end of year | $72.5M / $84.4M |
| Active participants, start / end of year | 2,887 / 3,069 |
| Participants with account balances | 3,001 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Carr, Riggs & Ingram |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $233,253 reported compensation |
| Cambridge Investment Research | $162,129 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002135943NAL0000346867001, received 2025-10-02, EIN 58-1645660, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.