Cameron Ashley Building Products, Inc. 401(k) Review & Grade
Cameron Ashley Building Products 401(k) Plan
Greer, SCRetail Trade768 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,892Employer $ per active participant
$5,907Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$79.0MNet plan assets, end of year
$71,895Average balance per account
Score breakdown
- Employer generosity41.9 / 5084th percentile for employer $ per participant
- Low cost21.5 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 86th |
| Employee saving | 91th |
| Peers that auto-enroll | 48% |
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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
- Cameron Ashley Building Products put in about $1,892 per active participant, more than the typical peer ($743). 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.
- 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 | $1,454,144 |
| Participant (employee) contributions | $4,539,711 |
| Other contributions (incl. rollovers in) | $1,358,176 |
| Administrative expenses paid from the plan | $40,488 |
| Investment advisory & management fees | $4,966 |
| Benefits paid out | $8,086,601 |
| Net assets, start / end of year | $71.7M / $79.0M |
| Active participants, start / end of year | 746 / 791 |
| Participants with account balances | 1,099 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bauknight, Pietras & Stormer, P.A. |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $40,713 reported compensation |
| Charles Schwab & Co., Inc. | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014072938NAL0001090323001, received 2025-10-14, EIN 58-1968171, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.