Consumer Direct Management Solutions 401(k) Review & Grade
Consumer Direct Management Solutions 401(k) Plan
Missoula, MTHealth Care & Social Assistance4,702 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$0Employer $ per active participant
$540Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$10.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.5 / 507th percentile for employer $ per participant
- Low cost5.1 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score0 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 20th |
| Employee saving | 17th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($4,298 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $102,078 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Consumer Direct Management Solutions put in about $0 per active participant, below the typical peer ($800). 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 (0.33% of assets) are well above similar-size plans (0.12%). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $295 |
| Participant (employee) contributions | $2,537,616 |
| Other contributions (incl. rollovers in) | $215,968 |
| Administrative expenses paid from the plan | $30,861 |
| Benefits paid out | $810,580 |
| Net assets, start / end of year | $7.9M / $10.8M |
| Active participants, start / end of year | 3,750 / 5,654 |
| Participants with account balances | 639 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kcoe Isom, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $30,861 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014171831NAL0004619568001, received 2025-10-14, EIN 20-1378311, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.