Ozarks Coca-Cola/dr Pepper Bottling Company 401(k) Review & Grade
Ozarks Coca-Cola/dr Pepper Bottling Company 401(k) Profit Sharing Plan
Springfield, MOManufacturing542 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,823Employer $ per active participant
$3,527Employee $ saved per active participant
0.56%Direct admin cost, % of plan assets
$44.0MNet plan assets, end of year
$61,581Average balance per account
Score breakdown
- Employer generosity36.4 / 5073th percentile for employer $ per participant
- Low cost4.9 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 20th |
| Employee saving | 30th |
| 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
- Ozarks Coca-Cola/dr Pepper Bottling put in about $3,823 per active participant, more than the typical peer ($2,320). 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.
- Direct plan expenses (0.56% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,073,968 |
| Participant (employee) contributions | $1,913,613 |
| Other contributions (incl. rollovers in) | $88,459 |
| Administrative expenses paid from the plan | $228,263 |
| Contract administrator fees | $44,836 |
| Investment advisory & management fees | $8,209 |
| Benefits paid out | $2,150,508 |
| Net assets, start / end of year | $37.2M / $44.0M |
| Active participants, start / end of year | 571 / 514 |
| Participants with account balances | 715 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | KPM Cpas, PC |
Largest service providers (Schedule C)
| Wilshire Associates | $8,210 reported compensation |
| John Hancock USA | $5,660 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009125209NAL0006604209001, received 2025-10-09, EIN 44-0443840, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.