Communications Test Design, Inc. 401(k) Review & Grade
Communications Test Design, Inc. 401(k) Profit Sharing Plan
West Chester, PAInformation8,862 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,568Employer $ per active participant
$2,647Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$408.9MNet plan assets, end of year
$44,198Average balance per account
Score breakdown
- Employer generosity10.2 / 5020th percentile for employer $ per participant
- Low cost10.1 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving0.3 / 152th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 40th |
| Employee saving | 2th |
| Peers that auto-enroll | 63% |
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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
- Communications Test Design put in about $1,568 per active participant, below the typical peer ($3,691). 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 | $13,895,938 |
| Participant (employee) contributions | $23,463,117 |
| Other contributions (incl. rollovers in) | $1,602,254 |
| Administrative expenses paid from the plan | $650,904 |
| Investment advisory & management fees | $246,332 |
| Other admin expenses | $900 |
| Benefits paid out | $40,306,926 |
| Net assets, start / end of year | $362.7M / $408.9M |
| Active participants, start / end of year | 9,089 / 8,636 |
| Participants with account balances | 9,252 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Fisher Cunnane and Associates, LTD |
Largest service providers (Schedule C)
| Empower Ins Co of America | $384,172 reported compensation |
| Empower Advisory Group, LLC | $150,082 reported compensation |
| Clearview Financial Partners LLC | $96,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015200202NAL0005783505001, received 2025-10-15, EIN 23-2015935, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.