Keystone Marketing Holdings, LLC 401(k) Review & Grade
Keystone Marketing Holdings, LLC 401(k) Plan
Chicago, ILProfessional, Scientific & Technical Services727 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,996Employer $ per active participant
$11,054Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$77.2MNet plan assets, end of year
$73,860Average balance per account
Score breakdown
- Employer generosity24.4 / 5049th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1568th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 52th |
| Employee saving | 68th |
| 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
- Keystone Marketing Holdings put in about $2,996 per active participant, below the typical peer ($3,082). 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 | $2,178,335 |
| Participant (employee) contributions | $8,036,173 |
| Other contributions (incl. rollovers in) | $1,823,539 |
| Administrative expenses paid from the plan | $147,028 |
| Investment advisory & management fees | $61,621 |
| Benefits paid out | $4,604,982 |
| Net assets, start / end of year | $60.7M / $77.2M |
| Active participants, start / end of year | 723 / 731 |
| Participants with account balances | 1,045 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $83,407 reported compensation |
| Mesirow Financial | $25,000 reported compensation |
| Creative Planning LLC | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910154458NAL0013522883001, received 2025-09-10, EIN 83-2597003, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.