Pacific Coast Building Products, in 401(k) Review & Grade
Pacific Coast Building Products, Inc. 401(k) Savings Plan
Ranch Cordova, CAManufacturing3,152 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$117Employer $ per active participant
$4,557Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$153.5MNet plan assets, end of year
$44,878Average balance per account
Score breakdown
- Employer generosity0.8 / 502th percentile for employer $ per participant
- Low cost8.4 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 2th |
| Lower admin cost | 34th |
| Employee saving | 31th |
| 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
- Pacific Coast Building Products, in put in about $117 per active participant, below the typical peer ($3,452). 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.
- Direct plan expenses (0.21% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $369,000 |
| Participant (employee) contributions | $14,361,000 |
| Other contributions (incl. rollovers in) | $1,180,000 |
| Administrative expenses paid from the plan | $299,000 |
| Other admin expenses | $299,000 |
| Benefits paid out | $13,907,000 |
| Net assets, start / end of year | $137.6M / $153.5M |
| Active participants, start / end of year | 3,208 / 3,095 |
| Participants with account balances | 3,421 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Voya Institutional Plan Services | $299,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015090832NAL0002063187001, received 2025-10-15, EIN 94-6103555, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.