Euromarket Designs, Inc. D.B.A. Crate & Barrel, Cb2, and Hudson Grace 401(k) Review & Grade
Crate & Barrel Holdings, Inc. Retirement Savings Plan
Northbrook, ILRetail Trade7,376 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,246Employer $ per active participant
$3,826Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$343.4MNet plan assets, end of year
$37,711Average balance per account
Score breakdown
- Employer generosity37.1 / 5074th percentile for employer $ per participant
- Low cost5.2 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving11.4 / 1576th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 21th |
| Employee saving | 76th |
| Peers that auto-enroll | 42% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($5,405 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Euromarket Designs, Inc. D.B.A. Crate & Barrel, Cb2, and Hudson Grace put in about $1,246 per active participant, more than the typical peer ($650). 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 (0.32% of assets) are well above similar-size plans (0.12%). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $9,190,005 |
| Participant (employee) contributions | $28,221,377 |
| Other contributions (incl. rollovers in) | $2,833,545 |
| Administrative expenses paid from the plan | $1,044,675 |
| Investment advisory & management fees | $433,549 |
| Other admin expenses | $300 |
| Benefits paid out | $37,431,729 |
| Net assets, start / end of year | $304.8M / $343.4M |
| Active participants, start / end of year | 7,395 / 7,357 |
| Participants with account balances | 9,107 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $801,870 reported compensation |
| Mesirow Financial Investment Manage | $383,549 reported compensation |
| Creative Planning Holdco LLC DBA CR | $50,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007082102NAL0007745968001, received 2025-10-07, EIN 36-2492854, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.