Arcbest Corporation 401(k) Review & Grade
Arcbest 401(k) and DC Retirement Plan
Fort Smith, ARManagement of Companies5,046 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,973Employer $ per active participant
$5,997Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$778.4MNet plan assets, end of year
$137,525Average balance per account
Score breakdown
- Employer generosity31.4 / 5063th percentile for employer $ per participant
- Low cost17.9 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Management of Companies plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 72th |
| Employee saving | 41th |
| Peers that auto-enroll | 58% |
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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
- Arcbest put in about $3,973 per active participant, more than the typical peer ($3,455). 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 | $20,045,698 |
| Participant (employee) contributions | $30,256,677 |
| Other contributions (incl. rollovers in) | $4,030,394 |
| Administrative expenses paid from the plan | $457,977 |
| Contract administrator fees | $1,520 |
| Investment advisory & management fees | $112,472 |
| Benefits paid out | $51,066,835 |
| Net assets, start / end of year | $679.2M / $778.4M |
| Active participants, start / end of year | 5,150 / 4,941 |
| Participants with account balances | 5,660 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars |
| Employer stock held by plan | $4,914,215 |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services, in | $287,411 reported compensation |
| Capfinancial Partners LLC | $75,338 reported compensation |
| Forvis LLP | $58,255 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251111072258NAL0006176499001, received 2025-11-11, EIN 71-0673405, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.