Coca-Cola Beverages Northeast, Inc. 401(k) Review & Grade
Coca Cola Beverages Northeast, Inc. Incentive Savings Plan
Bedford, NHManufacturing2,794 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,005Employer $ per active participant
$7,414Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$400.2MNet plan assets, end of year
$115,484Average balance per account
Score breakdown
- Employer generosity29.5 / 5059th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1564th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 44th |
| Employee saving | 64th |
| 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
- Coca-Cola Beverages Northeast put in about $4,005 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 | $11,192,956 |
| Participant (employee) contributions | $20,717,809 |
| Other contributions (incl. rollovers in) | $999,754 |
| Administrative expenses paid from the plan | $561,472 |
| Other admin expenses | $561,472 |
| Benefits paid out | $41,208,499 |
| Net assets, start / end of year | $362.6M / $400.2M |
| Active participants, start / end of year | 2,821 / 2,768 |
| Participants with account balances | 3,465 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Boivin and Associates, Cpas, PLLC |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $342,295 reported compensation |
| Vanguard Advisers Inc. | $251,677 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001081235NAL0005826659001, received 2025-10-01, EIN 04-2614952, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.