Csww, Inc. 401(k) Review & Grade
Csww, Inc. 401(k) Plan
Great Falls, MTWholesale Trade698 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,095Employer $ per active participant
$2,259Employee $ saved per active participant
0.94%Direct admin cost, % of plan assets
$16.4MNet plan assets, end of year
$22,325Average balance per account
Score breakdown
- Employer generosity13.9 / 5028th percentile for employer $ per participant
- Low cost1.8 / 257th percentile for low admin cost vs. same-size plans
- Employee saving2.1 / 1514th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 7th |
| Employee saving | 14th |
| Peers that auto-enroll | 53% |
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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
- Csww put in about $1,095 per active participant, below the typical peer ($1,792). 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 (0.94% 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.
- 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 | $764,608 |
| Participant (employee) contributions | $1,576,564 |
| Other contributions (incl. rollovers in) | $12,017 |
| Administrative expenses paid from the plan | $141,819 |
| Contract administrator fees | $138,725 |
| Investment advisory & management fees | $3,094 |
| Benefits paid out | $1,781,686 |
| Net assets, start / end of year | $13.9M / $16.4M |
| Active participants, start / end of year | 703 / 693 |
| Participants with account balances | 735 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kcoe Isom, LLP |
Largest service providers (Schedule C)
| John Hancock Life Insurance Company | $9,277 reported compensation |
| Wilshire Associates Inc(usa) | $3,094 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917155900NAL0000534225001, received 2025-09-17, EIN 91-1850234, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.