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Grade My 401(k)
Built by Basic Capital
2 issues

Credit Suisse Securities USA LLC

05-0546650· New York, NY· Alight Solutions· 2024 filing
C
0/100
Overall grade

Middle of the pack, with clear ways to do better.

–
Fees
–
Financial Wellness
B
Plan design
C
Compliance
Fees

This plan's fees aren't public. Enter yours to grade them against similar plans.

Financial Wellness

Contribution data isn't available for this plan.

Not graded
Plan design

Covers the basics. A few high-impact features are missing.

B
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Not safe harbor
The plan has to pass annual IRS nondiscrimination testing, which can cap what owners and higher earners are allowed to contribute.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health

2 items to review, nothing critical.

C
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
Very low active participation, fewer than 10 participants
Flagged on the latest filing. Worth a closer look with your provider.
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Alight Solutions

No provider notes available.

Key insights

  • Strongest area: plan design. Covers the basics. A few high-impact features are missing.
  • Best place to improve: compliance & health. 2 items to review, nothing critical.
  • Enter your fees (PEPM, monthly, and AUM %) to see exactly how your costs compare.
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