Harris Ranch Beef Company 401(k) Review & Grade
Hrbc 401(k) Plan for Ufcw Collective
Selma, CAManufacturing2,419 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$380Employer $ per active participant
$178Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$21.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.5 / 505th percentile for employer $ per participant
- Low cost14.4 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving0.1 / 150th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 58th |
| Employee saving | 0th |
| Peers that auto-enroll | 59% |
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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
- Harris Ranch Beef put in about $380 per active participant, below the typical peer ($2,320). 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.
- 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 | $920,197 |
| Participant (employee) contributions | $429,939 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $37,282 |
| Benefits paid out | $2,052,565 |
| Net assets, start / end of year | $20.0M / $21.2M |
| Active participants, start / end of year | 702 / 4,136 |
| Participants with account balances | 920 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hudson Henderson & Company, Inc |
Largest service providers (Schedule C)
| Wells Fargo Advisors Fin Network LL | $38,217 reported compensation |
| Empower Annuity Insurance Company O | $37,332 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260414131806NAL0015912433001, received 2026-04-14, EIN 47-0873490, plan #002, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.