The Brink's Company 401(k) Review & Grade
The Brink's Company 401(k) Plan
Richmond, VAMining, Oil & Gas8,388 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,191Employer $ per active participant
$3,380Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$508.3MNet plan assets, end of year
$68,080Average balance per account
Score breakdown
- Employer generosity18.0 / 5036th percentile for employer $ per participant
- Low cost14.9 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score48 / 100 · Grade C
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 60th |
| Employee saving | 37th |
| Peers that auto-enroll | 52% |
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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
- Brink's put in about $1,191 per active participant, below the typical peer ($2,062). 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.
- 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 | $9,993,000 |
| Participant (employee) contributions | $28,353,000 |
| Other contributions (incl. rollovers in) | $2,316,000 |
| Administrative expenses paid from the plan | $445,702 |
| Benefits paid out | $49,584,843 |
| Net assets, start / end of year | $459.3M / $508.3M |
| Active participants, start / end of year | 8,438 / 8,339 |
| Participants with account balances | 7,466 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Keiter |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $425,211 reported compensation |
| Keiter | $20,950 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010112827NAL0007611201001, received 2025-10-10, EIN 54-1317776, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.