C&s Wholesale Grocers, Inc. 401(k) Review & Grade
C&s and Affiliates 401(k) Savings Plan (C)
Keene, NHWholesale Trade1,456 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$566Employer $ per active participant
$1,585Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$36.2MNet plan assets, end of year
$41,344Average balance per account
Score breakdown
- Employer generosity5.0 / 5010th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 10th |
| Lower admin cost | 37th |
| Employee saving | 8th |
| Peers that auto-enroll | 53% |
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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
- C&s Wholesale Grocers put in about $566 per active participant, below the typical peer ($1,792). 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.
- 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 | $823,435 |
| Participant (employee) contributions | $2,307,385 |
| Other contributions (incl. rollovers in) | $3,881,136 |
| Administrative expenses paid from the plan | $107,562 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $13,111 |
| Benefits paid out | $3,316,424 |
| Net assets, start / end of year | $28.9M / $36.2M |
| Active participants, start / end of year | 1,245 / 1,667 |
| Participants with account balances | 875 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ham, Langston&brezina, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $69,291 reported compensation |
| Ham, Langston & Brezina LLP | $25,160 reported compensation |
| Strategic Advisors, Inc. | $13,111 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731111335NAL0010339778001, received 2025-07-31, EIN 04-1140950, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.