Cslb Holdings Inc. 401(k) Review & Grade
Cslb Holdings Inc. 401(k) Plan
King of Prussia, PAManufacturing19,150 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,673Employer $ per active participant
$4,030Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$1.2BNet plan assets, end of year
$107,752Average balance per account
Score breakdown
- Employer generosity15.7 / 5031th percentile for employer $ per participant
- Low cost14.4 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1513th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 10,000+ active participants (151 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 57th |
| Employee saving | 13th |
| Peers that auto-enroll | 69% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $13,463 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Cslb Holdings put in about $3,673 per active participant, below the typical peer ($5,480). 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 | $70,340,442 |
| Participant (employee) contributions | $77,182,175 |
| Other contributions (incl. rollovers in) | $10,332,858 |
| Administrative expenses paid from the plan | $802,969 |
| Contract administrator fees | $3,300 |
| Investment advisory & management fees | $597,628 |
| Benefits paid out | $115,334,436 |
| Net assets, start / end of year | $1.0B / $1.2B |
| Active participants, start / end of year | 18,666 / 19,635 |
| Participants with account balances | 11,213 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Deloitte & Touche |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $597,628 reported compensation |
| Fidelity Investments Institutional | $195,850 reported compensation |
| Ernst and Young LLP | $5,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014104315NAL0001234147001, received 2025-10-14, EIN 80-0120293, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.