CSM Companies, Inc 401(k) Review & Grade
CSM Companies, Inc. 401(k) Plan
Madison, WIRetail Trade987 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,682Employer $ per active participant
$5,410Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$61.4MNet plan assets, end of year
$53,055Average balance per account
Score breakdown
- Employer generosity39.5 / 5079th percentile for employer $ per participant
- Low cost11.7 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving13.0 / 1587th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 47th |
| Employee saving | 87th |
| Peers that auto-enroll | 48% |
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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
- CSM Companies put in about $1,682 per active participant, more than the typical peer ($743). 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 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 | $1,660,400 |
| Participant (employee) contributions | $5,339,916 |
| Other contributions (incl. rollovers in) | $610,741 |
| Administrative expenses paid from the plan | $148,847 |
| Investment advisory & management fees | $64,507 |
| Benefits paid out | $8,926,644 |
| Net assets, start / end of year | $55.8M / $61.4M |
| Active participants, start / end of year | 928 / 1,046 |
| Participants with account balances | 1,157 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $84,340 reported compensation |
| Gallagher Fiduciary Advisors LLC | $48,000 reported compensation |
| Strategic Advisors, Inc. | $16,507 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013093559NAL0001042497001, received 2025-10-13, EIN 39-1302058, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.