Crown Diversified Industries Corporation 401(k) Review & Grade
Crown Diversified Industries Corp & Affiliates 401(k) PS Plan
Creve Coeur, MOReal Estate & Rental558 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,126Employer $ per active participant
$2,092Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$15.0MNet plan assets, end of year
$39,811Average balance per account
Score breakdown
- Employer generosity22.2 / 5044th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 67th |
| Employee saving | 27th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $39,977 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Crown Diversified Industries put in about $1,126 per active participant, below the typical peer ($1,279). 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 | $629,093 |
| Participant (employee) contributions | $1,168,117 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $18,948 |
| Contract administrator fees | $18,948 |
| Benefits paid out | $2,127,153 |
| Net assets, start / end of year | $14.2M / $15.0M |
| Active participants, start / end of year | 598 / 519 |
| Participants with account balances | 378 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown LLP |
Largest service providers (Schedule C)
| American United Life Insurance Co | $71,255 reported compensation |
| Krilogy Financial | $14,805 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015090027NAL0004133905001, received 2025-10-15, EIN 43-0956288, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.