Vulcan Materials Company 401(k) Review & Grade
Vulcan 401k Plan
Birmingham, ALMining, Oil & Gas8,923 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,921Employer $ per active participant
$7,728Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$1.5BNet plan assets, end of year
$118,665Average balance per account
Score breakdown
- Employer generosity45.8 / 5092th percentile for employer $ per participant
- Low cost9.7 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
Total score73 / 100 · Grade B
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 39th |
| Employee saving | 72th |
| Peers that auto-enroll | 52% |
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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
- Vulcan Materials put in about $7,921 per active participant, more than the typical peer ($2,062). 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 | $70,679,536 |
| Participant (employee) contributions | $68,961,391 |
| Other contributions (incl. rollovers in) | $7,537,723 |
| Administrative expenses paid from the plan | $2,516,118 |
| Investment advisory & management fees | $1,937,215 |
| Other admin expenses | $2,700 |
| Benefits paid out | $204,016,525 |
| Net assets, start / end of year | $1.4B / $1.5B |
| Active participants, start / end of year | 8,628 / 9,218 |
| Participants with account balances | 12,408 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Warren Averett |
| Employer stock held by plan | $106,827,360 |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $1,937,215 reported compensation |
| Empower Annuity Insurance Company | $576,203 reported compensation |
| Metropolitan Life Insurance Company | $330,594 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250625141002NAL0004635235001, received 2025-06-25, EIN 20-8579133, plan #041, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.