Boise Cascade Company 401(k) Review & Grade
Boise Cascade Company Savings Plan
Boise, IDManufacturing4,002 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,803Employer $ per active participant
$8,384Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$740.4MNet plan assets, end of year
$151,495Average balance per account
Score breakdown
- Employer generosity41.2 / 5082th percentile for employer $ per participant
- Low cost16.6 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving10.6 / 1571th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 66th |
| Employee saving | 71th |
| Peers that auto-enroll | 70% |
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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
- Boise Cascade put in about $6,803 per active participant, more than the typical peer ($3,452). 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.
- 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 | $27,222,293 |
| Participant (employee) contributions | $33,546,738 |
| Other contributions (incl. rollovers in) | $7,417,956 |
| Administrative expenses paid from the plan | $524,727 |
| Contract administrator fees | $511,678 |
| Investment advisory & management fees | $13,049 |
| Benefits paid out | $66,724,221 |
| Net assets, start / end of year | $655.5M / $740.4M |
| Active participants, start / end of year | 3,902 / 4,101 |
| Participants with account balances | 4,887 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
| Employer stock held by plan | $48,732 |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $514,901 reported compensation |
| Institutional Investment Consulting | $50,803 reported compensation |
| Eide Bailly LLP | $34,621 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008094618NAL0013053506001, received 2025-10-08, EIN 20-1496201, plan #010, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.