Vulcan Materials Company 401(k) Review & Grade
CMG Hourly 401(k) Plan
Birmingham, ALMining, Oil & Gas678 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,421Employer $ per active participant
$9,445Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$139.8MNet plan assets, end of year
$157,623Average balance per account
Score breakdown
- Employer generosity18.0 / 5036th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 53th |
| Employee saving | 73th |
| Peers that auto-enroll | 60% |
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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
- Vulcan Materials put in about $3,421 per active participant, below the typical peer ($4,357). 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 | $2,317,674 |
| Participant (employee) contributions | $6,398,890 |
| Other contributions (incl. rollovers in) | $13,507 |
| Administrative expenses paid from the plan | $293,656 |
| Investment advisory & management fees | $253,741 |
| Other admin expenses | $600 |
| Benefits paid out | $21,827,785 |
| Net assets, start / end of year | $139.4M / $139.8M |
| Active participants, start / end of year | 709 / 646 |
| Participants with account balances | 887 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett |
| Employer stock held by plan | $15,162,381 |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $253,740 reported compensation |
| Metropolitan Life Insurance Company | $74,653 reported compensation |
| Empower Annuity Insurance Company O | $39,315 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250625141212NAL0007904129001, received 2025-06-25, EIN 20-8579133, plan #050, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.