Eurofins NSC US, Inc. 401(k) Review & Grade
Eurofins Scientific, Inc. 401(k) Incentive Savings Plan
Leola, PAProfessional, Scientific & Technical Services13,390 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,932Employer $ per active participant
$5,887Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$1.3BNet plan assets, end of year
$65,895Average balance per account
Score breakdown
- Employer generosity15.2 / 5030th percentile for employer $ per participant
- Low cost8.3 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 33th |
| Employee saving | 32th |
| Peers that auto-enroll | 39% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($343,505 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $31,261 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Eurofins NSC US put in about $1,932 per active participant, below the typical peer ($2,932). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.13% of assets) are well above similar-size plans (0.09%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $25,870,060 |
| Participant (employee) contributions | $78,828,048 |
| Other contributions (incl. rollovers in) | $6,290,757 |
| Administrative expenses paid from the plan | $1,573,436 |
| Investment advisory & management fees | $273,991 |
| Other admin expenses | $69 |
| Benefits paid out | $114,857,972 |
| Net assets, start / end of year | $1.1B / $1.3B |
| Active participants, start / end of year | 13,372 / 13,409 |
| Participants with account balances | 19,375 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Conrad Siegel | $1,123,222 reported compensation |
| Conrad Siegel Investment Advisors | $273,991 reported compensation |
| Charles Schwab & Co., Inc. | $175,859 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014135009NAL0001452819001, received 2025-10-14, EIN 27-3225082, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.