Central Trucking Inc. 401(k) Review & Grade
Cti 401k Plan
Edinburgh, INTransportation & Warehousing660 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$30Employer $ per active participant
$625Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$5.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.0 / 504th percentile for employer $ per participant
- Low cost23.3 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 4th |
| Lower admin cost | 93th |
| Employee saving | 8th |
| Peers that auto-enroll | 37% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Central Trucking put in about $30 per active participant, below the typical peer ($1,070). 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 | $19,767 |
| Participant (employee) contributions | $412,508 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $1,488 |
| Contract administrator fees | $1,488 |
| Benefits paid out | $1,406,208 |
| Net assets, start / end of year | $5.4M / $5.2M |
| Active participants, start / end of year | 699 / 621 |
| Participants with account balances | 200 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Katz, Sapper & Miller, LLP |
Largest service providers (Schedule C)
| American United Life Insurance Co | $52,949 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250918131047NAL0001562080001, received 2025-09-18, EIN 35-1457867, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.