Cah Holdings, Inc. 401(k) Review & Grade
Cah Holdings Inc Section 401(k) Profit Sharing Plan
Birmingham, ALFinance & Insurance540 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,920Employer $ per active participant
$13,364Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$58.3MNet plan assets, end of year
$96,381Average balance per account
Score breakdown
- Employer generosity32.9 / 5066th percentile for employer $ per participant
- Low cost18.4 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 74th |
| Employee saving | 86th |
| Peers that auto-enroll | 62% |
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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
- Cah Holdings put in about $4,920 per active participant, more than the typical peer ($3,606). 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.
- 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 | $2,659,490 |
| Participant (employee) contributions | $7,223,487 |
| Other contributions (incl. rollovers in) | $3,182,143 |
| Administrative expenses paid from the plan | $51,054 |
| Contract administrator fees | $51,054 |
| Benefits paid out | $1,945,294 |
| Net assets, start / end of year | $41.9M / $58.3M |
| Active participants, start / end of year | 498 / 583 |
| Participants with account balances | 605 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Coker and Company |
Largest service providers (Schedule C)
| Newport Group, Inc. | $43,452 reported compensation |
| Newport Trust Company | $6,564 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250807091140NAL0002100947001, received 2025-08-07, EIN 63-1157402, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.