Capstone Logistics, LLC 401(k) Review & Grade
Capstone 401(k) Plan
Peachtree Corners, GATransportation & Warehousing11,988 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$278Employer $ per active participant
$538Employee $ saved per active participant
0.93%Direct admin cost, % of plan assets
$50.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost0.2 / 251th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score0 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 10,000+ active participants (46 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 1th |
| Employee saving | 4th |
| Peers that auto-enroll | 30% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($760,033 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Capstone Logistics put in about $278 per active participant, below the typical peer ($1,415). 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 (0.93% 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,334,087 |
| Participant (employee) contributions | $6,446,507 |
| Other contributions (incl. rollovers in) | $339,049 |
| Administrative expenses paid from the plan | $426,682 |
| Investment advisory & management fees | $93,211 |
| Benefits paid out | $6,737,470 |
| Net assets, start / end of year | $41.5M / $50.3M |
| Active participants, start / end of year | 12,307 / 11,670 |
| Participants with account balances | 1,955 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cherry Bekaert LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $333,304 reported compensation |
| Northwestern Mutual Wealth Mgmt Co | $93,211 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014154850NAL0001612323001, received 2025-10-14, EIN 45-3087555, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.