Aldi Inc. 401(k) Review & Grade
Aldi Inc. Retirement Savings Plan
Batavia, ILRetail Trade50,400 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,526Employer $ per active participant
$3,412Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$2.1BNet plan assets, end of year
$31,617Average balance per account
Score breakdown
- Employer generosity43.1 / 5086th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 39th |
| Employee saving | 88th |
| Peers that auto-enroll | 32% |
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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
- Aldi put in about $1,526 per active participant, more than the typical peer ($689). 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 | $76,894,003 |
| Participant (employee) contributions | $171,939,100 |
| Other contributions (incl. rollovers in) | $9,649,025 |
| Administrative expenses paid from the plan | $2,131,773 |
| Other admin expenses | $5,004 |
| Benefits paid out | $160,686,835 |
| Net assets, start / end of year | $1.7B / $2.1B |
| Active participants, start / end of year | 48,035 / 52,764 |
| Participants with account balances | 65,273 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Porte Brown LLC |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $2,125,763 reported compensation |
| Qdro Consultants | $5,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014125812NAL0004022304001, received 2025-10-14, EIN 42-1051659, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.