Giant Eagle, Inc. 401(k) Review & Grade
Giant Eagle, Inc. Employee Savings Plan
Cranberry TWP, PARetail Trade14,974 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,068Employer $ per active participant
$2,191Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$845.1MNet plan assets, end of year
$104,379Average balance per account
Score breakdown
- Employer generosity35.8 / 5072th percentile for employer $ per participant
- Low cost10.6 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 43th |
| Employee saving | 70th |
| Peers that auto-enroll | 32% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Fraud or dishonesty loss: the plan reported a loss caused by fraud or dishonesty during the year.
What to do if you're in this plan
- Giant Eagle put in about $1,068 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.
- 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 | $15,993,332 |
| Participant (employee) contributions | $32,814,150 |
| Other contributions (incl. rollovers in) | $5,807,651 |
| Administrative expenses paid from the plan | $834,317 |
| Contract administrator fees | $834,317 |
| Benefits paid out | $72,960,011 |
| Net assets, start / end of year | $751.0M / $845.1M |
| Active participants, start / end of year | 14,665 / 15,282 |
| Participants with account balances | 8,096 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sisterson & Co., LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $845,343 reported compensation |
| Giant Eagle Inc | $46,744 reported compensation |
| Sisterson & Co. LLP | $16,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015150903NAL0004949665001, received 2025-10-15, EIN 25-0698270, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.