Peabody Investments Corp. 401(k) Review & Grade
Peabody Investments Corp. Employee Retirement Account
ST. Louis, MOMining, Oil & Gas3,678 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,441Employer $ per active participant
$7,889Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$864.2MNet plan assets, end of year
$192,037Average balance per account
Score breakdown
- Employer generosity43.3 / 5087th percentile for employer $ per participant
- Low cost16.2 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving11.0 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 65th |
| Employee saving | 73th |
| Peers that auto-enroll | 52% |
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Red flags from the filing
Corrective distributions: the plan refunded $121 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Peabody Investments put in about $6,441 per active participant, more than the typical peer ($2,062). 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 | $23,689,186 |
| Participant (employee) contributions | $29,016,763 |
| Other contributions (incl. rollovers in) | $758,331 |
| Administrative expenses paid from the plan | $662,198 |
| Other admin expenses | $662,198 |
| Benefits paid out | $100,704,385 |
| Net assets, start / end of year | $808.8M / $864.2M |
| Active participants, start / end of year | 3,644 / 3,712 |
| Participants with account balances | 4,500 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Uhy LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $400,720 reported compensation |
| Vanguard Advisers Inc. | $306,307 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930125158NAL0029369538001, received 2025-09-30, EIN 20-0480084, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.