Boise Cascade Company 401(k) Review & Grade
Boise Cascade Company Retirement Savings Plan
Boise, IDManufacturing1,244 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,189Employer $ per active participant
$4,660Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$90.6MNet plan assets, end of year
$57,420Average balance per account
Score breakdown
- Employer generosity11.2 / 5022th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving6.9 / 1546th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 51th |
| Employee saving | 46th |
| 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
- Boise Cascade put in about $1,189 per active participant, below the typical peer ($2,320). 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 | $1,480,326 |
| Participant (employee) contributions | $5,798,942 |
| Other contributions (incl. rollovers in) | $138,503 |
| Administrative expenses paid from the plan | $191,897 |
| Contract administrator fees | $188,497 |
| Investment advisory & management fees | $3,400 |
| Benefits paid out | $10,173,531 |
| Net assets, start / end of year | $83.8M / $90.6M |
| Active participants, start / end of year | 1,246 / 1,243 |
| Participants with account balances | 1,578 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $191,706 reported compensation |
| Institutional Investment Consulting | $16,547 reported compensation |
| Eide Bailly LLP | $11,727 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008094741NAL0013403602001, received 2025-10-08, EIN 20-1496201, plan #025, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.