R.a Jones & Co. 401(k) Review & Grade
Coesia North America 401(k) Retirement Savings Plan
Richmond, VAManufacturing923 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,991Employer $ per active participant
$8,105Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$213.9MNet plan assets, end of year
$216,255Average balance per account
Score breakdown
- Employer generosity41.4 / 5083th percentile for employer $ per participant
- Low cost17.6 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving12.1 / 1581th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 71th |
| Employee saving | 81th |
| Peers that auto-enroll | 59% |
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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
- R.a Jones & put in about $4,991 per active participant, more than the typical peer ($2,320). 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 | $4,606,398 |
| Participant (employee) contributions | $7,480,851 |
| Other contributions (incl. rollovers in) | $395,353 |
| Administrative expenses paid from the plan | $232,820 |
| Investment advisory & management fees | $63,722 |
| Other admin expenses | $28,764 |
| Benefits paid out | $17,510,791 |
| Net assets, start / end of year | $191.3M / $213.9M |
| Active participants, start / end of year | 936 / 910 |
| Participants with account balances | 989 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Flagel Huber Flagel |
Largest service providers (Schedule C)
| Pension Corporation of America | $245,261 reported compensation |
| Pca Investment Advisory Services | $63,722 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013065935NAL0001904722001, received 2025-10-13, EIN 46-1783155, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.