Crystal Clean, LLC 401(k) Review & Grade
Crystal Clean, LLC Retirement Savings Plan
Hoffman Estates, ILConstruction2,067 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,641Employer $ per active participant
$4,496Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$121.8MNet plan assets, end of year
$56,618Average balance per account
Score breakdown
- Employer generosity35.0 / 5070th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1557th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 54th |
| Employee saving | 57th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($66,805 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
- Crystal Clean put in about $2,641 per active participant, more than the typical peer ($1,672). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 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 | $5,458,349 |
| Participant (employee) contributions | $9,293,459 |
| Other contributions (incl. rollovers in) | $512,901 |
| Administrative expenses paid from the plan | $229,623 |
| Contract administrator fees | $146,583 |
| Investment advisory & management fees | $22,290 |
| Other admin expenses | $60,750 |
| Benefits paid out | $15,097,508 |
| Net assets, start / end of year | $107.2M / $121.8M |
| Active participants, start / end of year | 2,067 / 2,067 |
| Participants with account balances | 2,151 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pile Cpas |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $151,725 reported compensation |
| Wells Fargo Advisors | $55,650 reported compensation |
| Voya Retirement Advisors, LLC | $22,257 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014160812NAL0006800146001, received 2025-10-14, EIN 35-2083150, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.