C&s Wholesale Grocers, Inc. 401(k) Review & Grade
C&s and Affiliates 401(k) Savings Plan (a)
Keene, NHWholesale Trade10,788 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,375Employer $ per active participant
$2,835Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$670.5MNet plan assets, end of year
$85,635Average balance per account
Score breakdown
- Employer generosity10.3 / 5021th percentile for employer $ per participant
- Low cost4.2 / 2517th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1518th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 10,000+ active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 21th |
| Lower admin cost | 17th |
| Employee saving | 18th |
| Peers that auto-enroll | 63% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- C&s Wholesale Grocers put in about $1,375 per active participant, below the typical peer ($2,420). 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.
- Direct plan expenses (0.21% of assets) are well above similar-size plans (0.09%). 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.
- 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 | $14,834,440 |
| Participant (employee) contributions | $30,581,872 |
| Other contributions (incl. rollovers in) | $36,418,045 |
| Administrative expenses paid from the plan | $1,313,994 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $464,385 |
| Benefits paid out | $69,340,916 |
| Net assets, start / end of year | $574.6M / $670.5M |
| Active participants, start / end of year | 11,041 / 10,534 |
| Participants with account balances | 7,830 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ham, Langston&brezina, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $821,542 reported compensation |
| Strategic Advisors, Inc. | $329,385 reported compensation |
| Concurrent (formerly Raymond James) | $135,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731111128NAL0005950625001, received 2025-07-31, EIN 04-1140950, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.