Campbell Companies 401(k) Review & Grade
Campbell Companies Bargaining Unit 401(k) Plan
Salt Lake City, UTAdministrative, Support & Staffing Services692 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,341Employer $ per active participant
$5,903Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$56.6MNet plan assets, end of year
$63,627Average balance per account
Score breakdown
- Employer generosity45.3 / 5090th percentile for employer $ per participant
- Low cost12.9 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 51th |
| Employee saving | 83th |
| Peers that auto-enroll | 27% |
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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
- Campbell Companies put in about $3,341 per active participant, more than the typical peer ($712). 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 | $2,313,307 |
| Participant (employee) contributions | $4,087,676 |
| Other contributions (incl. rollovers in) | $199,173 |
| Administrative expenses paid from the plan | $113,516 |
| Investment advisory & management fees | $40,525 |
| Other admin expenses | $21,946 |
| Benefits paid out | $4,017,318 |
| Net assets, start / end of year | $47.3M / $56.6M |
| Active participants, start / end of year | 616 / 769 |
| Participants with account balances | 890 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Carver, Florek & James |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $51,045 reported compensation |
| Kestra Advisory Services LLC | $29,725 reported compensation |
| Carver Florek & James Cpas LLC | $10,800 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820090026NAL0005848914001, received 2025-08-20, EIN 84-3055712, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.