Common C Services, LLC 401(k) Review & Grade
Common C Services, LLC 401(k) Plan
Marshall, MIAdministrative, Support & Staffing Services624 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$317Employer $ per active participant
$499Employee $ saved per active participant
1.38%Direct admin cost, % of plan assets
$1.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity17.5 / 5035th percentile for employer $ per participant
- Low cost0.8 / 253th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 3th |
| Employee saving | 20th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,869 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Common C Services put in about $317 per active participant, below the typical peer ($712). 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 (1.38% 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.
- 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 | $198,156 |
| Participant (employee) contributions | $311,583 |
| Other contributions (incl. rollovers in) | $131,954 |
| Administrative expenses paid from the plan | $11,797 |
| Benefits paid out | $167,879 |
| Net assets, start / end of year | $573,264 / $1.1M |
| Active participants, start / end of year | 665 / 584 |
| Participants with account balances | 109 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20251003085826NAL0001979632001, received 2025-10-03, EIN 83-3131494, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.