American Commercial Barge Line LLC 401(k) Review & Grade
American Commercial Barge Line LLC 401(k) Plan
Jeffersonville, INTransportation & Warehousing2,036 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,783Employer $ per active participant
$5,836Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$206.6MNet plan assets, end of year
$85,040Average balance per account
Score breakdown
- Employer generosity41.4 / 5083th percentile for employer $ per participant
- Low cost14.9 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving12.1 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 60th |
| Employee saving | 81th |
| Peers that auto-enroll | 37% |
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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
- American Commercial Barge Line put in about $2,783 per active participant, more than the typical peer ($1,070). 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 | $5,665,648 |
| Participant (employee) contributions | $11,878,677 |
| Other contributions (incl. rollovers in) | $1,490,351 |
| Administrative expenses paid from the plan | $328,590 |
| Contract administrator fees | $184,398 |
| Investment advisory & management fees | $124,963 |
| Benefits paid out | $18,493,425 |
| Net assets, start / end of year | $183.4M / $206.6M |
| Active participants, start / end of year | 1,952 / 2,119 |
| Participants with account balances | 2,429 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Schneider Downs & Co., Inc. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $208,622 reported compensation |
| Shepherd Kaplan | $125,000 reported compensation |
| Schneider Downs & Co Inc | $19,255 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015084736NAL0005714624001, received 2025-10-15, EIN 52-2106600, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.