Cpi Card Group - Colorado, Inc. 401(k) Review & Grade
Cpi Card Group, Inc. 401(k) Plan
Littleton, COManufacturing1,368 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,903Employer $ per active participant
$3,681Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$65.0MNet plan assets, end of year
$64,287Average balance per account
Score breakdown
- Employer generosity20.5 / 5041th percentile for employer $ per participant
- Low cost8.5 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving4.9 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 34th |
| Employee saving | 32th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Cpi Card Group - Colorado put in about $1,903 per active participant, below the typical peer ($2,320). 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 (0.36% 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 | $2,603,022 |
| Participant (employee) contributions | $5,033,975 |
| Other contributions (incl. rollovers in) | $1,198,509 |
| Administrative expenses paid from the plan | $215,268 |
| Investment advisory & management fees | $107,668 |
| Benefits paid out | $5,060,367 |
| Net assets, start / end of year | $54.4M / $65.0M |
| Active participants, start / end of year | 1,409 / 1,326 |
| Participants with account balances | 1,011 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $107,600 reported compensation |
| Sageview Advisory Group, LLC | $67,007 reported compensation |
| Empower Advisory Group, LLC | $40,661 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013134404NAL0003047906001, received 2025-10-13, EIN 84-0895526, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.