Cbts Technology Solutions LLC 401(k) Review & Grade
Cbts 401(k) Plan
Cincinnati, OHProfessional, Scientific & Technical Services1,115 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$133Employer $ per active participant
$288Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$243.1MNet plan assets, end of year
$211,608Average balance per account
Score breakdown
- Employer generosity3.9 / 508th percentile for employer $ per participant
- Low cost25.0 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving0.3 / 152th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 100th |
| Employee saving | 2th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Cbts Technology Solutions put in about $133 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.
- 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 | $148,708 |
| Participant (employee) contributions | $321,627 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $444 |
| Investment advisory & management fees | $13 |
| Benefits paid out | $99,941 |
| Net assets, start / end of year | $0 / $243.1M |
| Active participants, start / end of year | 1,037 / 1,193 |
| Participants with account balances | 1,149 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Clark Schaefer Hackett Co. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $431 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260717144123NAL0007634784001, received 2026-07-17, EIN 72-1122018, plan #001, plan year 2024-12-02 to 2024-12-31. Verify at efast.dol.gov.