Consolidated Nuclear Security, LLC 401(k) Review & Grade
Savings Program for Employees of Consolidated Nuclear Security, LLC at the U.S. Department of Energy Facilities at Oak Ridge, Tennessee
Oak Ridge, TNAdministrative, Support & Staffing Services6,750 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,508Employer $ per active participant
$10,424Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$1.5BNet plan assets, end of year
$181,985Average balance per account
Score breakdown
- Employer generosity49.2 / 5098th percentile for employer $ per participant
- Low cost16.9 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving14.5 / 1597th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score91 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 68th |
| Employee saving | 97th |
| Peers that auto-enroll | 22% |
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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
- Consolidated Nuclear Security put in about $6,508 per active participant, more than the typical peer ($342). 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 | $43,924,140 |
| Participant (employee) contributions | $70,357,238 |
| Other contributions (incl. rollovers in) | $9,747,323 |
| Administrative expenses paid from the plan | $1,003,307 |
| Benefits paid out | $95,264,000 |
| Net assets, start / end of year | $1.3B / $1.5B |
| Active participants, start / end of year | 6,683 / 6,816 |
| Participants with account balances | 8,197 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pugh & Company, P.C. DBA Pugh Cpas |
Largest service providers (Schedule C)
| Voya Holdings, Inc. | $1,001,878 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014165432NAL0006873666001, received 2025-10-14, EIN 45-4482782, plan #009, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.