Plan Ledger DOL Form 5500 · updated monthly

Cil, Inc.401(k)

CIL, INC. 401(K) PROFIT SHARING PLAN · LAWRENCE, MA · plan year 2024

Reported admin expense ratio · 2024
0.68%

Peer grade: C+ · admin costs + employer contributions vs same-size plans · how grading works

Cil, Inc. reported $30,351 in plan administrative expenses for 2024: 0.68% of average plan assets, above the peer median. Employer contributions averaged $1,272 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio rose from 0.52% to 0.68%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other professional & technical services employers. By assets it is among the smaller plans on file in Massachusetts (2,318th of 2,726), and 9,862nd of 11,654 in professional & technical services. In 2024, employees put in $2.05 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$4,847,869
Participants with balances127
Active participants137
Employer contributions$174,204
Employee contributions$357,190
Employer contribution per active participant$1,272
Average account balance$38,172
Benefits paid to participants$204,607
Plan auditUnmodified (clean) audit opinion
AuditorANSTISS & CO P.C.
Plan history3
Yearassets · accounts · employer contribution
2024$4.8M · 127 accts · $174K emplr
2023$4.1M · 161 accts · $151K emplr
2022$3.3M · 157 accts · $123K emplr
Administrative expenses, itemized · 2024
Investment management$30,351
Total administrative$30,351
The Cil, Inc. 401(k) match · 2024
Employer contribution per active participant$1,272
Median for plans this size$1,313
2024$1,272 per active participant
2023$1,074 per active participant
2022$910 per active participant

Cil, Inc.'s 2024 employer contribution ran below the $1,313 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20244
MERRILL LYNCH PIERCE FENNER & SMITH · Investment advisory (plan)$13,066
COMPASS RETIREMENT CONSULTING GROUP · Contract administrator$4,120
EMPOWER ADVISORY GROUP, LLC · Investment management$112

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$30,351 · 0.68%
2023$23,813 · 0.64%
2022$19,675 · 0.52%
Similar plansProfessional & Technical Services · Massachusetts
T3 Expo, LLC MA$5.1M · 0.01%
Leyton USA, Inc. MA$4.8M · 0.91%
Bpg Bio, Inc. MA$4.8M · 0.57%
Overture Partners, LLC MA$4.8M · 0.17%

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Source: U.S. Department of Labor, Form 5500 series, EIN 042983179 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.