Alpha Metallurgical Resources, LLC 401(k) Review & Grade
Alpha Metallurgical Resources 401(k) Retirement Savings Plan
Bristol, TNMining, Oil & Gas3,956 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,505Employer $ per active participant
$6,648Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$378.3MNet plan assets, end of year
$81,115Average balance per account
Score breakdown
- Employer generosity20.7 / 5041th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score60 / 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 | 41th |
| Lower admin cost | 79th |
| Employee saving | 65th |
| Peers that auto-enroll | 52% |
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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
- Alpha Metallurgical Resources put in about $1,505 per active participant, below the typical peer ($2,062). 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.
- 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 | $5,955,458 |
| Participant (employee) contributions | $26,301,299 |
| Other contributions (incl. rollovers in) | $925,126 |
| Administrative expenses paid from the plan | $181,239 |
| Contract administrator fees | $6,300 |
| Investment advisory & management fees | $44,539 |
| Benefits paid out | $54,712,082 |
| Net assets, start / end of year | $355.4M / $378.3M |
| Active participants, start / end of year | 4,000 / 3,913 |
| Participants with account balances | 4,664 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Brown Edwards & Company LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $136,700 reported compensation |
| Strategic Advisors, Inc. | $44,539 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250827142755NAL0005066915001, received 2025-08-27, EIN 81-2970899, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.