Consolidated Supply Co. 401(k) Review & Grade
Profit Sharing and Salary Deferral Plan of Consolidated Supply Co.
Portland, ORWholesale Trade537 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,649Employer $ per active participant
$6,917Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$61.8MNet plan assets, end of year
$83,581Average balance per account
Score breakdown
- Employer generosity40.7 / 5081th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 37th |
| Employee saving | 78th |
| Peers that auto-enroll | 53% |
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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
- Consolidated Supply put in about $3,649 per active participant, more than the typical peer ($1,792). 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 | $1,959,284 |
| Participant (employee) contributions | $3,714,371 |
| Other contributions (incl. rollovers in) | $194,799 |
| Administrative expenses paid from the plan | $198,112 |
| Contract administrator fees | $18,434 |
| Investment advisory & management fees | $49,161 |
| Other admin expenses | $19,248 |
| Benefits paid out | $9,450,667 |
| Net assets, start / end of year | $58.5M / $61.8M |
| Active participants, start / end of year | 539 / 535 |
| Participants with account balances | 739 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Delap |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $81,457 reported compensation |
| Cbiz Investment Advisory Services | $49,161 reported compensation |
| Delap LLP | $16,353 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250729140308NAL0003410721001, received 2025-07-29, EIN 93-0145980, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.