C. R. Jackson, Inc. 401(k) Review & Grade
C. R. Jackson, Inc. & N. W. White & Co. 401(k) Profit Sharing Plan
Columbia, SCConstruction908 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,616Employer $ per active participant
$2,558Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$29.5MNet plan assets, end of year
$52,525Average balance per account
Score breakdown
- Employer generosity24.1 / 5048th percentile for employer $ per participant
- Low cost11.9 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 48th |
| Employee saving | 31th |
| Peers that auto-enroll | 44% |
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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
- C. R. Jackson put in about $1,616 per active participant, below the typical peer ($1,672). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- 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 | $1,466,433 |
| Participant (employee) contributions | $2,321,791 |
| Other contributions (incl. rollovers in) | $400,126 |
| Administrative expenses paid from the plan | $70,475 |
| Investment advisory & management fees | $56,425 |
| Benefits paid out | $5,592,696 |
| Net assets, start / end of year | $27.5M / $29.5M |
| Active participants, start / end of year | 904 / 911 |
| Participants with account balances | 562 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Moore Beauston & Woodham LLP |
Largest service providers (Schedule C)
| LPL Financial LLC | $60,770 reported compensation |
| Empower Advisory Group, LLC | $44,377 reported compensation |
| Empower Annuity Insurance Company | $26,098 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015095217NAL0002197091001, received 2025-10-15, EIN 57-0575863, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.