Curo Management Corporation 401(k) Review & Grade
Curo Management 401(k) Retirement Plan
Greenville, SCFinance & Insurance1,716 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,741Employer $ per active participant
$3,018Employee $ saved per active participant
0.80%Direct admin cost, % of plan assets
$62.5MNet plan assets, end of year
$24,655Average balance per account
Score breakdown
- Employer generosity8.8 / 5018th percentile for employer $ per participant
- Low cost2.5 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score5 / 100 · Grade F
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 10th |
| Employee saving | 6th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($16,454 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Curo Management put in about $1,741 per active participant, below the typical peer ($3,606). 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 (0.80% 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,988,784 |
| Participant (employee) contributions | $5,180,813 |
| Other contributions (incl. rollovers in) | $1,017,342 |
| Administrative expenses paid from the plan | $491,546 |
| Benefits paid out | $13,636,325 |
| Net assets, start / end of year | $60.4M / $62.5M |
| Active participants, start / end of year | 1,894 / 1,539 |
| Participants with account balances | 2,534 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Coulter & Justus |
Largest service providers (Schedule C)
| Transamerica Financial Life Ins | $281,465 reported compensation |
| Admin. Group, LLC DBA Tag Resources | $207,060 reported compensation |
| Transamerica Retirement Solutions | $2,291 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250821133212NAL0008332722001, received 2025-08-21, EIN 81-0586671, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.