Crest Discount Foods, Inc. 401(k) Review & Grade
Crest Discount Foods, Inc. 401(k) Profit Sharing Plan
Edmond, OKRetail Trade934 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,205Employer $ per active participant
$1,414Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$54.1MNet plan assets, end of year
$31,873Average balance per account
Score breakdown
- Employer generosity47.6 / 5095th percentile for employer $ per participant
- Low cost9.2 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving3.4 / 1523th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 37th |
| Employee saving | 23th |
| Peers that auto-enroll | 48% |
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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
- Crest Discount Foods put in about $3,205 per active participant, more than the typical peer ($743). 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.
- 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 | $2,992,045 |
| Participant (employee) contributions | $1,320,371 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $169,167 |
| Investment advisory & management fees | $78,533 |
| Benefits paid out | $2,403,574 |
| Net assets, start / end of year | $47.0M / $54.1M |
| Active participants, start / end of year | 911 / 956 |
| Participants with account balances | 1,698 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Peters & Chandler |
Largest service providers (Schedule C)
| NFP Retirement, Inc. | $78,533 reported compensation |
| Bokf, NA | $45,050 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014095012NAL0002547377001, received 2025-10-14, EIN 73-0759701, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.