C4 Technical Services, LLC 401(k) Review & Grade
C4 Technical Services 401(k) Plan
Eagan, MNAdministrative, Support & Staffing Services718 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$338Employer $ per active participant
$1,222Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$6.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity18.1 / 5036th percentile for employer $ per participant
- Low cost17.2 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 69th |
| Employee saving | 38th |
| Peers that auto-enroll | 27% |
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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
- C4 Technical Services put in about $338 per active participant, below the typical peer ($712). 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 | $242,794 |
| Participant (employee) contributions | $877,978 |
| Other contributions (incl. rollovers in) | $548,025 |
| Administrative expenses paid from the plan | $6,175 |
| Contract administrator fees | $6,175 |
| Benefits paid out | $322,640 |
| Net assets, start / end of year | $4.0M / $6.0M |
| Active participants, start / end of year | 616 / 821 |
| Participants with account balances | 207 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| John Hancock Life Insurance Company | $3,275 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014141715NAL0006276786001, received 2025-10-14, EIN 46-0935126, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.