Crews Enterprises, Inc 401(k) Review & Grade
Crews Enterprises, Inc. 401(k) Plan
Atlanta, GARetail Trade586 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$76Employer $ per active participant
$557Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$2.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.8 / 5010th percentile for employer $ per participant
- Low cost14.4 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 10th |
| Lower admin cost | 57th |
| Employee saving | 6th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $9,777 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Crews Enterprises put in about $76 per active participant, below the typical peer ($743). 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.
- 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 | $44,751 |
| Participant (employee) contributions | $326,157 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $3,981 |
| Contract administrator fees | $3,981 |
| Benefits paid out | $140,052 |
| Net assets, start / end of year | $2.0M / $2.4M |
| Active participants, start / end of year | 564 / 607 |
| Participants with account balances | 264 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $19,785 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015161213NAL0002611811001, received 2025-10-15, EIN 52-2325597, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.