Chevron Stations Inc. 401(k) Review & Grade
Chevron Stations Inc. Thrift Plan
San Ramon, CARetail Trade3,597 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$406Employer $ per active participant
$954Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$46.6MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity15.9 / 5032th percentile for employer $ per participant
- Low cost19.8 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving2.7 / 1518th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 79th |
| Employee saving | 18th |
| Peers that auto-enroll | 42% |
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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
- Chevron Stations put in about $406 per active participant, below the typical peer ($650). 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 | $1,460,645 |
| Participant (employee) contributions | $3,432,460 |
| Other contributions (incl. rollovers in) | $323,012 |
| Administrative expenses paid from the plan | $21,042 |
| Benefits paid out | $4,402,970 |
| Net assets, start / end of year | $39.6M / $46.6M |
| Active participants, start / end of year | 3,102 / 4,092 |
| Participants with account balances | 1,189 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withumsmith&brown |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $21,042 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013210820NAL0000942579001, received 2025-10-13, EIN 84-0618607, plan #068, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.