Client Solution Architects LLC 401(k) Review & Grade
Client Solution Architects 401(k) Plan
Virginia Beach, VAProfessional, Scientific & Technical Services742 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,709Employer $ per active participant
$5,615Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$43.1MNet plan assets, end of year
$43,538Average balance per account
Score breakdown
- Employer generosity22.2 / 5044th percentile for employer $ per participant
- Low cost8.9 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score42 / 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 | 44th |
| Lower admin cost | 36th |
| Employee saving | 28th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,411 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Client Solution Architects put in about $2,709 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.
- Direct plan expenses (0.34% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,011,340 |
| Participant (employee) contributions | $4,169,246 |
| Other contributions (incl. rollovers in) | $477,637 |
| Administrative expenses paid from the plan | $139,883 |
| Contract administrator fees | $139,883 |
| Benefits paid out | $5,489,452 |
| Net assets, start / end of year | $38.0M / $43.1M |
| Active participants, start / end of year | 751 / 734 |
| Participants with account balances | 991 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Aprio LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $139,883 reported compensation |
| Creative Planning, Inc. | $40,000 reported compensation |
| Creative Planning, LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014153628NAL0003179313001, received 2025-10-14, EIN 54-1393220, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.