Crawford & Company 401(k) Review & Grade
Crawford & Company Savings & Investment Plan
Peachtree Corners, GAFinance & Insurance3,886 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,217Employer $ per active participant
$7,389Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$592.5MNet plan assets, end of year
$107,825Average balance per account
Score breakdown
- Employer generosity7.6 / 5015th percentile for employer $ per participant
- Low cost13.4 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 15th |
| Lower admin cost | 54th |
| Employee saving | 38th |
| Peers that auto-enroll | 66% |
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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
- Crawford & put in about $2,217 per active participant, below the typical peer ($4,489). 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.
- 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 | $8,615,956 |
| Participant (employee) contributions | $28,714,896 |
| Other contributions (incl. rollovers in) | $1,619,141 |
| Administrative expenses paid from the plan | $639,242 |
| Investment advisory & management fees | $16,582 |
| Other admin expenses | $133,161 |
| Benefits paid out | $59,885,856 |
| Net assets, start / end of year | $550.0M / $592.5M |
| Active participants, start / end of year | 3,860 / 3,912 |
| Participants with account balances | 5,495 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Windham Brannon, LLC |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $311,637 reported compensation |
| Aon | $133,713 reported compensation |
| Windham Brannon | $26,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013120034NAL0000566563001, received 2025-10-13, EIN 58-0506554, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.