4c Holding, LLC 401(k) Review & Grade
4c Holding, LLC Profit Sharing and 401(k) Plan
Elizabethtown, NCWholesale Trade1,052 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$719Employer $ per active participant
$908Employee $ saved per active participant
0.71%Direct admin cost, % of plan assets
$10.2MNet plan assets, end of year
$19,447Average balance per account
Score breakdown
- Employer generosity7.2 / 5014th percentile for employer $ per participant
- Low cost3.1 / 2513th percentile for low admin cost vs. same-size plans
- Employee saving0.5 / 153th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score14 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 14th |
| Lower admin cost | 13th |
| Employee saving | 3th |
| Peers that auto-enroll | 53% |
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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
- 4c Holding put in about $719 per active participant, below the typical peer ($1,792). 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 (0.71% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $756,500 |
| Participant (employee) contributions | $954,553 |
| Other contributions (incl. rollovers in) | $140,456 |
| Administrative expenses paid from the plan | $65,459 |
| Investment advisory & management fees | $27,439 |
| Benefits paid out | $846,327 |
| Net assets, start / end of year | $8.2M / $10.2M |
| Active participants, start / end of year | 932 / 1,171 |
| Participants with account balances | 526 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Melissa G. Critcher, CPA PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $38,020 reported compensation |
| First Citizens Bank Inst Trust | $27,439 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015161425NAL0010586146001, received 2025-10-15, EIN 46-1129845, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.