Community Services Group, Inc. 401(k) Review & Grade
Community Services Group 401(k) Retirement Plan
Mountville, PAHealth Care & Social Assistance1,164 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,285Employer $ per active participant
$2,001Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$53.6MNet plan assets, end of year
$45,913Average balance per account
Score breakdown
- Employer generosity28.5 / 5057th percentile for employer $ per participant
- Low cost7.4 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 30th |
| Employee saving | 41th |
| Peers that auto-enroll | 36% |
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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
- Community Services Group put in about $1,285 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 (0.41% 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 | $1,495,127 |
| Participant (employee) contributions | $2,328,739 |
| Other contributions (incl. rollovers in) | $3,130 |
| Administrative expenses paid from the plan | $212,784 |
| Investment advisory & management fees | $140,455 |
| Benefits paid out | $7,129,186 |
| Net assets, start / end of year | $50.8M / $53.6M |
| Active participants, start / end of year | 1,219 / 1,108 |
| Participants with account balances | 1,167 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Simon Lever, LLC |
Largest service providers (Schedule C)
| Fulton Financial Advisors | $216,449 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015095346NAL0005876624001, received 2025-10-15, EIN 23-1934804, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.