Campagna-Turano Bakery, Inc. 401(k) Review & Grade
Campagna-Turano Bakery, Inc. Incentive 401(k) Savings Plan and Trust
Berwyn, ILRetail Trade1,063 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,110Employer $ per active participant
$4,687Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$103.5MNet plan assets, end of year
$74,966Average balance per account
Score breakdown
- Employer generosity48.7 / 5097th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving11.6 / 1577th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 56th |
| Employee saving | 77th |
| 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
- Campagna-Turano Bakery put in about $4,110 per active participant, more than the typical peer ($743). 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.
- 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 | $4,369,177 |
| Participant (employee) contributions | $4,982,304 |
| Other contributions (incl. rollovers in) | $135,703 |
| Administrative expenses paid from the plan | $183,652 |
| Contract administrator fees | $183,652 |
| Benefits paid out | $8,037,114 |
| Net assets, start / end of year | $90.8M / $103.5M |
| Active participants, start / end of year | 1,032 / 1,094 |
| Participants with account balances | 1,381 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | R. J. Augustine, LTD. |
Largest service providers (Schedule C)
| Global Retirement Partners | $108,987 reported compensation |
| Transamerica Retirement Solutions, | $65,574 reported compensation |
| Retirement Solution Group | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015154233NAL0002571395001, received 2025-10-15, EIN 36-2588905, plan #333, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.