Commercial Metals Company 401(k) Review & Grade
Commercial Metals Companies Retirement Plan
Irving, TXManufacturing8,668 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,986Employer $ per active participant
$6,934Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$1.5BNet plan assets, end of year
$138,376Average balance per account
Score breakdown
- Employer generosity34.9 / 5070th percentile for employer $ per participant
- Low cost18.6 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 74th |
| Employee saving | 59th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,719 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Commercial Metals put in about $4,986 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 | $43,217,639 |
| Participant (employee) contributions | $60,107,199 |
| Other contributions (incl. rollovers in) | $7,354,018 |
| Administrative expenses paid from the plan | $816,107 |
| Contract administrator fees | $6,000 |
| Other admin expenses | $89,234 |
| Benefits paid out | $161,100,019 |
| Net assets, start / end of year | $1.4B / $1.5B |
| Active participants, start / end of year | 8,633 / 8,704 |
| Participants with account balances | 10,583 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Weaver and Tidwell LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $495,107 reported compensation |
| Milliman, Inc. | $185,893 reported compensation |
| Capfinancial Partners LLC | $98,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260518114419NAL0000039571001, received 2026-05-18, EIN 75-0725338, plan #001, plan year 2024-09-01 to 2025-08-31. Verify at efast.dol.gov.