Cstk Inc. 401(k) Review & Grade
Cstk Retirement Plan
Overland Park, KSOther Services644 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,843Employer $ per active participant
$4,888Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$37.2MNet plan assets, end of year
$83,692Average balance per account
Score breakdown
- Employer generosity32.2 / 5064th percentile for employer $ per participant
- Low cost14.4 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving11.0 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 58th |
| Employee saving | 73th |
| Peers that auto-enroll | 40% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $39,120 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Cstk put in about $1,843 per active participant, more than the typical peer ($1,257). 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 | $1,187,578 |
| Participant (employee) contributions | $3,150,387 |
| Other contributions (incl. rollovers in) | $102,062 |
| Administrative expenses paid from the plan | $61,415 |
| Investment advisory & management fees | $17,512 |
| Benefits paid out | $1,864,295 |
| Net assets, start / end of year | $30.8M / $37.2M |
| Active participants, start / end of year | 643 / 646 |
| Participants with account balances | 445 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $43,903 reported compensation |
| Resources Investment Advisors, Inc. | $17,512 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250722060232NAL0005829698001, received 2025-07-22, EIN 48-0829855, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.