Cook's Pest Control, Inc. 401(k) Review & Grade
Cook's Pest Control, Inc. Employee Capital Accumulation Plan
Decatur, ALAdministrative, Support & Staffing Services1,558 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,444Employer $ per active participant
$2,781Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$77.6MNet plan assets, end of year
$41,730Average balance per account
Score breakdown
- Employer generosity35.1 / 5070th percentile for employer $ per participant
- Low cost15.0 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1560th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 60th |
| Employee saving | 60th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $27,826 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Cook's Pest Control put in about $1,444 per active participant, more than the typical peer ($712). 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 | $2,250,738 |
| Participant (employee) contributions | $4,334,458 |
| Other contributions (incl. rollovers in) | $211,447 |
| Administrative expenses paid from the plan | $121,264 |
| Other admin expenses | $13,984 |
| Benefits paid out | $8,421,803 |
| Net assets, start / end of year | $68.5M / $77.6M |
| Active participants, start / end of year | 1,389 / 1,728 |
| Participants with account balances | 1,859 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bmss, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $107,280 reported compensation |
| Osaic Wealth Inc | $13,984 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250918091109NAL0001651107001, received 2025-09-18, EIN 63-0476716, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.