General Committee of Adjustment for the Lines, Csx-Western Lines, CSX- 401(k) Review & Grade
Brotherhood of Locomotive Engineers 401(k) Savings Employees of CSX Transportation Inc.
West Seneca, NYTransportation & Warehousing5,060 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,903Employer $ per active participant
$5,991Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$902.9MNet plan assets, end of year
$168,643Average balance per account
Score breakdown
- Employer generosity34.4 / 5069th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 62th |
| Employee saving | 70th |
| Peers that auto-enroll | 46% |
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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
- General Committee of Adjustment for the Lines, Csx-Western Lines, CSX- put in about $2,903 per active participant, more than the typical peer ($1,834). 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 | $14,687,679 |
| Participant (employee) contributions | $30,312,032 |
| Other contributions (incl. rollovers in) | $164,553 |
| Administrative expenses paid from the plan | $777,784 |
| Contract administrator fees | $613,731 |
| Investment advisory & management fees | $115,654 |
| Other admin expenses | $20,999 |
| Benefits paid out | $81,550,699 |
| Net assets, start / end of year | $910.0M / $902.9M |
| Active participants, start / end of year | 5,211 / 4,908 |
| Participants with account balances | 5,354 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bonadio & Co LLP |
| Employer stock held by plan | $409,787,570 |
Largest service providers (Schedule C)
| Merrill Lynch Pierce Fenner Smith | $756,784 reported compensation |
| Barclay Damon | $79,616 reported compensation |
| Bonadio & Co., LLP | $27,400 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010150507NAL0007914177001, received 2025-10-10, EIN 34-6401908, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.