CCS Medical 401(k) Review & Grade
CCS Medical 401(k) Plan
Dallas, TXWholesale Trade1,080 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,034Employer $ per active participant
$4,479Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$46.5MNet plan assets, end of year
$34,745Average balance per account
Score breakdown
- Employer generosity12.5 / 5025th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 39th |
| Employee saving | 47th |
| Peers that auto-enroll | 53% |
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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
- CCS Medical put in about $1,034 per active participant, below the typical peer ($1,792). 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 | $1,117,083 |
| Participant (employee) contributions | $4,837,636 |
| Other contributions (incl. rollovers in) | $212,993 |
| Administrative expenses paid from the plan | $134,185 |
| Other admin expenses | $15,159 |
| Benefits paid out | $4,733,126 |
| Net assets, start / end of year | $39.7M / $46.5M |
| Active participants, start / end of year | 1,060 / 1,100 |
| Participants with account balances | 1,339 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $119,026 reported compensation |
| The Lampo Group, LLC DBA Smartdoll | $15,159 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014122033NAL0001366227001, received 2025-10-14, EIN 59-3271823, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.