Campbell Oil Company, Inc. 401(k) Review & Grade
The Campbell Oil Company 401(k) Plan
Massillon, OHRetail Trade970 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,654Employer $ per active participant
$1,244Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$26.2MNet plan assets, end of year
$36,645Average balance per account
Score breakdown
- Employer generosity39.2 / 5078th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 38th |
| Employee saving | 20th |
| 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
- Campbell Oil Company put in about $1,654 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.
- 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 | $1,605,051 |
| Participant (employee) contributions | $1,206,941 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $79,611 |
| Investment advisory & management fees | $25,317 |
| Benefits paid out | $3,071,855 |
| Net assets, start / end of year | $23.4M / $26.2M |
| Active participants, start / end of year | 1,013 / 928 |
| Participants with account balances | 716 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Capital Group Retirement Plan Svcs. | $54,294 reported compensation |
| Capfinancial Partners LLC DBA Captr | $25,317 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730144025NAL0002009171001, received 2025-07-30, EIN 34-0681634, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.