Camin Cargo Control, Inc. 401(k) Review & Grade
Camin Cargo Control, Inc. 401k Plan
Pasadena, TXProfessional, Scientific & Technical Services908 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,664Employer $ per active participant
$4,197Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$36.7MNet plan assets, end of year
$52,382Average balance per account
Score breakdown
- Employer generosity14.6 / 5029th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving3.2 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 37th |
| Employee saving | 21th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,305 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Camin Cargo Control put in about $1,664 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 | $1,509,877 |
| Participant (employee) contributions | $3,809,187 |
| Other contributions (incl. rollovers in) | $1,197,801 |
| Administrative expenses paid from the plan | $110,799 |
| Investment advisory & management fees | $76,906 |
| Benefits paid out | $4,635,729 |
| Net assets, start / end of year | $30.7M / $36.7M |
| Active participants, start / end of year | 934 / 881 |
| Participants with account balances | 700 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bas Parners LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $110,799 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730050505NAL0009353570001, received 2025-07-30, EIN 22-2581864, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.