Ccbcc Operations LLC 401(k) Review & Grade
Coca-Cola Consolidated, Inc. Bargaining Employees 401(k) Plan
Charlotte, NCManufacturing1,939 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$342Employer $ per active participant
$1,399Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$33.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.1 / 504th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 4th |
| Lower admin cost | 38th |
| Employee saving | 6th |
| 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
- Ccbcc Operations put in about $342 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.
- 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 | $663,631 |
| Participant (employee) contributions | $2,712,589 |
| Other contributions (incl. rollovers in) | $220,890 |
| Administrative expenses paid from the plan | $103,474 |
| Benefits paid out | $3,477,363 |
| Net assets, start / end of year | $30.2M / $33.8M |
| Active participants, start / end of year | 1,764 / 2,114 |
| Participants with account balances | 807 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Greerwalker LLP |
Largest service providers (Schedule C)
| Fidelity Inv. Inst. Ops. Co. | $64,854 reported compensation |
| Captrust Financial Advisors | $38,620 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009123821NAL0003913155001, received 2025-10-09, EIN 20-0234821, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.