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Grade My 401(k)
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1 critical issue

Vulcan Materials Company

20-8579133· Birmingham, AL· Empower· 2025 filing· vs 4 plans your size
C
0/100
Overall grade

Middle of the pack, with clear ways to do better.

D
Fees
B
Financial Wellness
B
Plan design
D
Compliance
Fees

Your plan pays around 16 bps of assets per year. Similar plans pay around 10 bps. Your plan is pricier than most similar plans.

D
cheaper66th percentilepricier
Financial Wellness

Middle-of-the-pack savings. Employees put away $7,862/employee a year. That's about average for plans this size.

B
lower72th percentilehigher
Plan design

Covers the basics. A few high-impact features are missing.

B
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health

1 critical issue on the latest filing. These need attention.

D
Failed IRS fairness test
The plan failed its annual IRS fairness test and had to refund contributions to higher-paid employees. A safe harbor design eliminates this problem entirely.
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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Empower

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Key insights

  • Strongest area: plan design. Covers the basics. A few high-impact features are missing.
  • Best place to improve: compliance & health. 1 critical issue on the latest filing. These need attention.
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