Corporate Travel Management North America, Inc. 401(k) Review & Grade
CTM North America 401(k) Plan
Omaha, NEAdministrative, Support & Staffing Services1,257 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,641Employer $ per active participant
$5,096Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$115.0MNet plan assets, end of year
$72,655Average balance per account
Score breakdown
- Employer generosity36.4 / 5073th percentile for employer $ per participant
- Low cost17.2 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving11.6 / 1577th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 69th |
| Employee saving | 77th |
| Peers that auto-enroll | 27% |
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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
- Corporate Travel Management North America put in about $1,641 per active participant, more than the typical peer ($712). 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.
- 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 | $2,062,941 |
| Participant (employee) contributions | $6,405,100 |
| Other contributions (incl. rollovers in) | $1,772,340 |
| Administrative expenses paid from the plan | $139,811 |
| Investment advisory & management fees | $51,125 |
| Benefits paid out | $19,335,351 |
| Net assets, start / end of year | $111.7M / $115.0M |
| Active participants, start / end of year | 1,311 / 1,203 |
| Participants with account balances | 1,583 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lutz |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $88,686 reported compensation |
| Creative Planning Holdco LLC | $51,125 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922133603NAL0012368498001, received 2025-09-22, EIN 47-0355040, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.