Arch Resources, Inc. 401(k) Review & Grade
Arch Resources, Inc. 401(k) Plan
ST. Louis, MOMining, Oil & Gas3,356 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,882Employer $ per active participant
$10,270Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$650.4MNet plan assets, end of year
$144,858Average balance per account
Score breakdown
- Employer generosity42.1 / 5084th percentile for employer $ per participant
- Low cost10.0 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
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 | 84th |
| Lower admin cost | 40th |
| Employee saving | 84th |
| 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
- Arch Resources put in about $5,882 per active participant, more than the typical peer ($2,062). 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 | $19,739,522 |
| Participant (employee) contributions | $34,466,321 |
| Other contributions (incl. rollovers in) | $1,159,352 |
| Administrative expenses paid from the plan | $1,062,455 |
| Investment advisory & management fees | $678,619 |
| Other admin expenses | $4,100 |
| Benefits paid out | $81,201,682 |
| Net assets, start / end of year | $597.9M / $650.4M |
| Active participants, start / end of year | 3,441 / 3,271 |
| Participants with account balances | 4,490 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Rubinbrown LLP |
Largest service providers (Schedule C)
| Vanguard Advisers, Inc. | $553,619 reported compensation |
| Vanguard Group | $351,236 reported compensation |
| Wells Fargo Advisors, LLC | $125,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010085642NAL0012174096001, received 2025-10-10, EIN 43-0921172, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.