Plan Ledger DOL Form 5500 · updated monthly

Pbf Holding Company LLC401(k)

PBF ENERGY RETIREMENT SAVINGS PLAN · PARSIPPANY, NJ · plan year 2025

Reported admin expense ratio · 2025
0.03%

Peer grade: A- · admin costs + employer contributions vs same-size plans · how grading works

Pbf Holding Company LLC reported $330,896 in plan administrative expenses for 2025: 0.03% of average plan assets, below the peer median. Employer contributions averaged $9,499 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio fell from 0.06% to 0.03%. The plan sits in the over $1B size bracket, benchmarked here against 141 comparable plans and shown alongside other finance & insurance employers. By assets it is the 56th-largest of 2,419 plans among New Jersey employers on file, and the 155th of 4,798 in finance & insurance. In 2025, employees put in $1.71 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$1,183,564,782
Participants with balances4,568
Active participants3,715
Employer contributions$35,289,404
Employee contributions$60,465,727
Employer contribution per active participant$9,499
Average account balance$259,099
Benefits paid to participants$95,690,105
Plan auditUnmodified (clean) audit opinion
AuditorROSENBERG RICH BAKER BERMAN, P.A.
Plan history4
Yearassets · accounts · employer contribution
2025$1.2B · 4,568 accts · $35.3M emplr
2024$1.0B · 4,776 accts · $40.2M emplr
2023$853.8M · 4,780 accts · $38.0M emplr
2022$668.5M · 4,750 accts · $34.7M emplr
The Pbf Holding Company LLC 401(k) match · 2025
Employer contribution per active participant$9,499
Median for plans this size$5,084
2025$9,499 per active participant
2024$10,399 per active participant
2023$9,969 per active participant
2022$9,548 per active participant

Pbf Holding Company LLC's 2025 employer contribution ran above the $5,084 median for plans its size, placing it in the top quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
THE VANGUARD GROUP, INC. · Recordkeeping · Consulting$112,486
VANGUARD ADVISERS INC. · Investment advisory (participants)$246,710

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year3
2025Vanguard
2024Vanguard
2023Vanguard

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$330,896 · 0.03%
2024$366,170 · 0.04%
2023$202,684 · 0.03%
2022$394,093 · 0.06%
Same employer
Similar plansFinance & Insurance · New Jersey
Bessemer Trust Company NJ$764.1M · 0.00%

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Source: U.S. Department of Labor, Form 5500 series, EIN 272198168 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.