Campari America 401(k) Review & Grade
Campari America 401k Retirement Plan
New York, NYWholesale Trade564 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,084Employer $ per active participant
$11,686Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$97.9MNet plan assets, end of year
$128,423Average balance per account
Score breakdown
- Employer generosity41.9 / 5084th percentile for employer $ per participant
- Low cost21.2 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 85th |
| Employee saving | 97th |
| 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
- Campari America put in about $4,084 per active participant, more than the typical peer ($1,792). 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 | $2,301,307 |
| Participant (employee) contributions | $6,585,263 |
| Other contributions (incl. rollovers in) | $1,299,301 |
| Administrative expenses paid from the plan | $52,197 |
| Contract administrator fees | $1,500 |
| Benefits paid out | $7,081,080 |
| Net assets, start / end of year | $81.6M / $97.9M |
| Active participants, start / end of year | 547 / 580 |
| Participants with account balances | 762 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | BPM LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $52,197 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251105131751NAL0014510128001, received 2025-11-05, EIN 91-1940832, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.