Coca-Cola Bottling Company United, Inc. 401(k) Review & Grade
Coca-Cola Bottling Company United, Inc. 401(k) Plan
Birmingham, ALManufacturing9,560 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,817Employer $ per active participant
$4,937Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$609.6MNet plan assets, end of year
$55,801Average balance per account
Score breakdown
- Employer generosity21.0 / 5042th percentile for employer $ per participant
- Low cost10.6 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving5.3 / 1535th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 42th |
| Employee saving | 35th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $3,745 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Coca-Cola Bottling Company United put in about $2,817 per active participant, below the typical peer ($3,452). 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 | $26,933,562 |
| Participant (employee) contributions | $47,199,033 |
| Other contributions (incl. rollovers in) | $2,837,803 |
| Administrative expenses paid from the plan | $887,557 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $365,000 |
| Other admin expenses | $60,061 |
| Benefits paid out | $65,789,133 |
| Net assets, start / end of year | $530.1M / $609.6M |
| Active participants, start / end of year | 9,189 / 9,930 |
| Participants with account balances | 10,924 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett, LLC |
| Employer stock held by plan | $3,123,216 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $440,841 reported compensation |
| Kestra Investment Services LLC | $365,000 reported compensation |
| Mercer Investments LLC | $60,061 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010091818NAL0004098115001, received 2025-10-10, EIN 58-0148710, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.