Consumer Support Services, Inc. 401(k) Review & Grade
C.S.S. Retirement Savings Plan
Newark, OHHealth Care & Social Assistance852 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$459Employer $ per active participant
$1,584Employee $ saved per active participant
1.26%Direct admin cost, % of plan assets
$11.9MNet plan assets, end of year
$20,429Average balance per account
Score breakdown
- Employer generosity16.6 / 5033th percentile for employer $ per participant
- Low cost1.0 / 254th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score23 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 4th |
| Employee saving | 35th |
| Peers that auto-enroll | 36% |
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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
- Consumer Support Services put in about $459 per active participant, below the typical peer ($976). 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.
- Direct plan expenses (1.26% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $391,081 |
| Participant (employee) contributions | $1,348,505 |
| Other contributions (incl. rollovers in) | $33,189 |
| Administrative expenses paid from the plan | $137,697 |
| Contract administrator fees | $84,103 |
| Benefits paid out | $743,099 |
| Net assets, start / end of year | $9.9M / $11.9M |
| Active participants, start / end of year | 874 / 829 |
| Participants with account balances | 582 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Coastal Pension Services, Inc. | $84,104 reported compensation |
| Nylife Securities | $49,156 reported compensation |
| John Hancock USA | $3,418 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250812133843NAL0023051474001, received 2025-08-12, EIN 31-1378304, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.