Coca-Cola Southwest Beverages LLC 401(k) Review & Grade
Coca-Cola Southwest Beverages 401(k) Plan
Dallas, TXManufacturing10,194 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,193Employer $ per active participant
$3,369Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$589.0MNet plan assets, end of year
$58,476Average balance per account
Score breakdown
- Employer generosity9.0 / 5018th percentile for employer $ per participant
- Low cost11.1 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1511th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 10,000+ active participants (151 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 44th |
| Employee saving | 11th |
| Peers that auto-enroll | 69% |
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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
- Coca-Cola Southwest Beverages put in about $2,193 per active participant, below the typical peer ($5,480). 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.
- 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 | $22,353,423 |
| Participant (employee) contributions | $34,347,081 |
| Other contributions (incl. rollovers in) | $1,733,820 |
| Administrative expenses paid from the plan | $562,713 |
| Investment advisory & management fees | $25,416 |
| Other admin expenses | $14,649 |
| Benefits paid out | $78,090,950 |
| Net assets, start / end of year | $543.2M / $589.0M |
| Active participants, start / end of year | 11,677 / 8,711 |
| Participants with account balances | 10,073 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Doeren Mayhew Assurance |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $348,677 reported compensation |
| Empower Annuity Insurance Company O | $173,971 reported compensation |
| Advised Assets Group, LLC | $25,416 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015125830NAL0006165104001, received 2025-10-15, EIN 81-3909618, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.