Community Resources for Justice, Inc. 401(k) Review & Grade
Community Resources for Justice, Inc. 401(k) Retirement Plan
Boston, MAOther Services772 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,155Employer $ per active participant
$2,479Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$20.3MNet plan assets, end of year
$38,576Average balance per account
Score breakdown
- Employer generosity23.6 / 5047th percentile for employer $ per participant
- Low cost9.6 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1547th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 38th |
| Employee saving | 47th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,606 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Community Resources for Justice put in about $1,155 per active participant, below the typical peer ($1,257). 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 | $892,586 |
| Participant (employee) contributions | $1,915,276 |
| Other contributions (incl. rollovers in) | $94,674 |
| Administrative expenses paid from the plan | $60,521 |
| Contract administrator fees | $15,502 |
| Investment advisory & management fees | $45,019 |
| Benefits paid out | $2,796,415 |
| Net assets, start / end of year | $17.8M / $20.3M |
| Active participants, start / end of year | 632 / 913 |
| Participants with account balances | 525 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Aafcpas, Inc. |
Largest service providers (Schedule C)
| Commonwealth Equity Services, Inc. | $45,019 reported compensation |
| John Hancock Retirement Plan Servic | $15,502 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415104723NAL0026088352001, received 2026-04-15, EIN 04-3461434, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.