CPC Logistics, Inc. 401(k) Review & Grade
CPC Logistics, Inc. Employees 401(k) Retirement Plan
Chesterfield, MOTransportation & Warehousing3,868 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$749Employer $ per active participant
$1,379Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$82.7MNet plan assets, end of year
$32,098Average balance per account
Score breakdown
- Employer generosity11.1 / 5022th percentile for employer $ per participant
- Low cost9.7 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1513th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 39th |
| Employee saving | 13th |
| Peers that auto-enroll | 46% |
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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
- CPC Logistics put in about $749 per active participant, below the typical peer ($1,834). 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 | $2,894,954 |
| Participant (employee) contributions | $5,333,711 |
| Other contributions (incl. rollovers in) | $178,340 |
| Administrative expenses paid from the plan | $142,232 |
| Contract administrator fees | $142,232 |
| Benefits paid out | $12,490,122 |
| Net assets, start / end of year | $77.8M / $82.7M |
| Active participants, start / end of year | 3,929 / 3,806 |
| Participants with account balances | 2,578 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Uhy, LLP |
Largest service providers (Schedule C)
| Empower Annuity Ins Co of America | $156,991 reported compensation |
| Pension and Retirement Services Inc | $36,011 reported compensation |
| Ascensus Inc | $9,768 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010170457NAL0008513905001, received 2025-10-10, EIN 43-1412670, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.