CPL Pacific, LLC 401(k) Review & Grade
CPL Pacific 401(k) Savings Plan
Tamuning, GUManagement of Companies869 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,112Employer $ per active participant
$1,854Employee $ saved per active participant
0.55%Direct admin cost, % of plan assets
$26.4MNet plan assets, end of year
$31,146Average balance per account
Score breakdown
- Employer generosity10.5 / 5021th percentile for employer $ per participant
- Low cost5.0 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving1.8 / 1512th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score10 / 100 · Grade F
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 21th |
| Lower admin cost | 20th |
| Employee saving | 12th |
| Peers that auto-enroll | 58% |
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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($520,749 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- CPL Pacific put in about $1,112 per active participant, below the typical peer ($2,492). 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 (0.55% 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.
- 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 | $966,575 |
| Participant (employee) contributions | $1,611,339 |
| Other contributions (incl. rollovers in) | $54,571 |
| Administrative expenses paid from the plan | $141,786 |
| Contract administrator fees | $21,680 |
| Benefits paid out | $3,818,651 |
| Net assets, start / end of year | $25.0M / $26.4M |
| Active participants, start / end of year | 1,011 / 727 |
| Participants with account balances | 848 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young, LLP |
Largest service providers (Schedule C)
| Asc Trust, LLC | $141,786 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013202912NAL0001937713001, received 2025-10-13, EIN 66-0919490, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.