Crystal Window and Door Systems 401(k) Review & Grade
Crystal Window & Door Systems LTD 401(k) PS Plan & Trust
Flushing, NYConstruction534 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,162Employer $ per active participant
$4,103Employee $ saved per active participant
0.60%Direct admin cost, % of plan assets
$19.2MNet plan assets, end of year
$44,250Average balance per account
Score breakdown
- Employer generosity18.3 / 5037th percentile for employer $ per participant
- Low cost4.4 / 2517th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1552th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 17th |
| Employee saving | 52th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $147,418 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Crystal Window and Door Systems put in about $1,162 per active participant, below the typical peer ($1,672). 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 (0.60% 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 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 | $619,725 |
| Participant (employee) contributions | $2,188,728 |
| Other contributions (incl. rollovers in) | $14,127 |
| Administrative expenses paid from the plan | $108,550 |
| Investment advisory & management fees | $54,144 |
| Benefits paid out | $2,190,554 |
| Net assets, start / end of year | $17.0M / $19.2M |
| Active participants, start / end of year | 534 / 533 |
| Participants with account balances | 435 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wei Wei & Co. LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $54,406 reported compensation |
| Old Slip Registered Inv Advisors, L | $54,143 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014054756NAL0003240576001, received 2025-10-14, EIN 11-3324335, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.