Cambium Learning Group, Inc. 401(k) Review & Grade
Cambium Learning Profit Sharing Retirement Plan
Dallas, TXEducational Services2,463 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,157Employer $ per active participant
$10,761Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$302.0MNet plan assets, end of year
$95,367Average balance per account
Score breakdown
- Employer generosity42.7 / 5085th percentile for employer $ per participant
- Low cost21.0 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 84th |
| Employee saving | 97th |
| Peers that auto-enroll | 37% |
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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
- Cambium Learning Group put in about $3,157 per active participant, more than the typical peer ($1,225). 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 | $7,776,829 |
| Participant (employee) contributions | $26,505,344 |
| Other contributions (incl. rollovers in) | $4,429,772 |
| Administrative expenses paid from the plan | $167,932 |
| Investment advisory & management fees | $58,279 |
| Benefits paid out | $24,216,664 |
| Net assets, start / end of year | $247.8M / $302.0M |
| Active participants, start / end of year | 2,508 / 2,418 |
| Participants with account balances | 3,167 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $109,653 reported compensation |
| Creative Planning LLC | $53,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010111700NAL0008030273001, received 2025-10-10, EIN 27-0587428, plan #101, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.