CWS Capital Partners LLC 401(k) Review & Grade
CWS Savings Plan (401(k))
Austin, TXReal Estate & Rental889 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,589Employer $ per active participant
$4,270Employee $ saved per active participant
0.40%Direct admin cost, % of plan assets
$48.9MNet plan assets, end of year
$38,132Average balance per account
Score breakdown
- Employer generosity29.5 / 5059th percentile for employer $ per participant
- Low cost7.6 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 30th |
| Employee saving | 58th |
| Peers that auto-enroll | 47% |
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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
- CWS Capital Partners put in about $1,589 per active participant, more than the typical peer ($1,279). 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.
- Direct plan expenses (0.40% 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 | $1,412,961 |
| Participant (employee) contributions | $3,795,902 |
| Other contributions (incl. rollovers in) | $98,247 |
| Administrative expenses paid from the plan | $183,250 |
| Investment advisory & management fees | $40,000 |
| Other admin expenses | $19,429 |
| Benefits paid out | $4,142,082 |
| Net assets, start / end of year | $42.4M / $48.9M |
| Active participants, start / end of year | 777 / 1,001 |
| Participants with account balances | 1,283 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Peggy S. Edge, CPA LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $114,821 reported compensation |
| RPS Retirement Plan Advisors LLC | $40,000 reported compensation |
| Retirement Plan Fiduciaries | $19,429 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250721073349NAL0000505475001, received 2025-07-21, EIN 33-0787121, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.