Csi Leasing, Inc. 401(k) Review & Grade
Csi Leasing, Inc. 401(k) Plan
Weldon Spring, MOWholesale Trade721 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,555Employer $ per active participant
$6,853Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$116.9MNet plan assets, end of year
$140,728Average balance per account
Score breakdown
- Employer generosity21.1 / 5042th percentile for employer $ per participant
- Low cost23.6 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving11.6 / 1578th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 94th |
| Employee saving | 78th |
| Peers that auto-enroll | 53% |
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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
- Csi Leasing put in about $1,555 per active participant, below the typical peer ($1,792). 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 | $1,121,505 |
| Participant (employee) contributions | $4,941,228 |
| Other contributions (incl. rollovers in) | $90,064 |
| Administrative expenses paid from the plan | $25,629 |
| Investment advisory & management fees | $12,835 |
| Benefits paid out | $7,121,920 |
| Net assets, start / end of year | $99.5M / $116.9M |
| Active participants, start / end of year | 703 / 739 |
| Participants with account balances | 831 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $12,835 reported compensation |
| Fidelity Investments Institutional | $12,794 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010095744NAL0007473009001, received 2025-10-10, EIN 73-0982450, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.