Cti - Clinical Trial Services, Inc. 401(k) Review & Grade
Cti Clinical Trial Services, Inc. 401(k) Plan
Covington, KYHealth Care & Social Assistance624 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,610Employer $ per active participant
$9,886Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$85.1MNet plan assets, end of year
$118,364Average balance per account
Score breakdown
- Employer generosity44.9 / 5090th percentile for employer $ per participant
- Low cost16.9 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 67th |
| Employee saving | 97th |
| Peers that auto-enroll | 36% |
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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
- Cti - Clinical Trial Services put in about $4,610 per active participant, more than the typical peer ($976). 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.
- 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 | $2,874,397 |
| Participant (employee) contributions | $6,163,983 |
| Other contributions (incl. rollovers in) | $1,374,910 |
| Administrative expenses paid from the plan | $103,514 |
| Investment advisory & management fees | $34,986 |
| Benefits paid out | $12,381,846 |
| Net assets, start / end of year | $75.4M / $85.1M |
| Active participants, start / end of year | 626 / 621 |
| Participants with account balances | 719 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $68,528 reported compensation |
| Souders Financial Advisors LLC | $34,986 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013095455NAL0000443907001, received 2025-10-13, EIN 31-1670693, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.