Black Rock Coffee Holdings LLC 401(k) Review & Grade
Black Rock 401(k) Plan
Scottsdale, AZAccommodation & Food Services610 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$558Employer $ per active participant
$915Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$2.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity36.8 / 5074th percentile for employer $ per participant
- Low cost13.4 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving8.3 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 53th |
| Employee saving | 55th |
| Peers that auto-enroll | 17% |
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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
- Black Rock Coffee Holdings put in about $558 per active participant, more than the typical peer ($266). 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 | $340,176 |
| Participant (employee) contributions | $558,419 |
| Other contributions (incl. rollovers in) | $69,935 |
| Administrative expenses paid from the plan | $3,745 |
| Benefits paid out | $331,272 |
| Net assets, start / end of year | $1.4M / $2.3M |
| Active participants, start / end of year | 644 / 576 |
| Participants with account balances | 165 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | KBF Cpas - Audit, LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $3,745 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015142558NAL0009721074001, received 2025-10-15, EIN 83-1415331, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.