CHS, Inc. 401(k) Review & Grade
CHS Inc. 401(k) Plan
Inver Grove Heights, MNWholesale Trade8,726 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,134Employer $ per active participant
$9,453Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$1.8BNet plan assets, end of year
$134,804Average balance per account
Score breakdown
- Employer generosity42.6 / 5085th percentile for employer $ per participant
- Low cost18.0 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving14.0 / 1593th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 72th |
| Employee saving | 93th |
| Peers that auto-enroll | 62% |
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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
- CHS put in about $5,134 per active participant, more than the typical peer ($2,459). 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 | $44,804,546 |
| Participant (employee) contributions | $82,488,979 |
| Other contributions (incl. rollovers in) | $9,921,838 |
| Administrative expenses paid from the plan | $1,053,394 |
| Investment advisory & management fees | $451,075 |
| Other admin expenses | $133,265 |
| Benefits paid out | $140,897,809 |
| Net assets, start / end of year | $1.6B / $1.8B |
| Active participants, start / end of year | 8,589 / 8,864 |
| Participants with account balances | 13,227 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Vanguard Group Inc. | $464,688 reported compensation |
| Vanguard Advisers, Inc. | $436,075 reported compensation |
| Advanced Capital Group, Inc. | $90,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013151823NAL0002294160001, received 2025-10-13, EIN 41-0251095, plan #014, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.