Core Natural Resources, Inc. 401(k) Review & Grade
Consol Energy Inc. Investment Plan
Canonsburg, PAMining, Oil & Gas2,004 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,594Employer $ per active participant
$9,105Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$270.5MNet plan assets, end of year
$117,332Average balance per account
Score breakdown
- Employer generosity33.6 / 5067th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 73th |
| Employee saving | 69th |
| Peers that auto-enroll | 60% |
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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
- Core Natural Resources put in about $6,594 per active participant, more than the typical peer ($4,357). 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 | $13,215,123 |
| Participant (employee) contributions | $18,246,070 |
| Other contributions (incl. rollovers in) | $3,430,952 |
| Administrative expenses paid from the plan | $261,152 |
| Investment advisory & management fees | $38,239 |
| Benefits paid out | $28,710,768 |
| Net assets, start / end of year | $236.8M / $270.5M |
| Active participants, start / end of year | 1,943 / 2,065 |
| Participants with account balances | 2,305 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $183,752 reported compensation |
| Merrill Lynch, Pierce, Fenner and S | $39,161 reported compensation |
| Empower Advisory Group, LLC | $38,239 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010075221NAL0007772177001, received 2025-10-10, EIN 82-1954058, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.