Bbu, Inc. 401(k) Review & Grade
Bimbo Bakeries USA Savings Plan
Horsham, PAManufacturing7,328 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,748Employer $ per active participant
$7,760Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$1.2BNet plan assets, end of year
$125,426Average balance per account
Score breakdown
- Employer generosity33.7 / 5067th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1566th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 87th |
| Employee saving | 66th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $1,657 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Bbu put in about $4,748 per active participant, more than the typical peer ($3,452). 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.
- 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 | $34,792,694 |
| Participant (employee) contributions | $56,860,205 |
| Other contributions (incl. rollovers in) | $5,229,101 |
| Administrative expenses paid from the plan | $429,020 |
| Contract administrator fees | $2,400 |
| Benefits paid out | $157,384,335 |
| Net assets, start / end of year | $1.1B / $1.2B |
| Active participants, start / end of year | 7,292 / 7,363 |
| Participants with account balances | 9,686 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $422,252 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007091828NAL0002337507001, received 2025-10-07, EIN 75-2490530, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.