Lidl US, LLC 401(k) Review & Grade
Lidl US, LLC 401(k) Plan
Arlington, VARetail Trade4,892 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,956Employer $ per active participant
$2,874Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$120.1MNet plan assets, end of year
$19,650Average balance per account
Score breakdown
- Employer generosity43.4 / 5087th percentile for employer $ per participant
- Low cost4.8 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 19th |
| Employee saving | 65th |
| Peers that auto-enroll | 42% |
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
Corrective distributions: the plan refunded $2,837 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Lidl US put in about $1,956 per active participant, more than the typical peer ($650). 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.
- Direct plan expenses (0.34% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $9,567,879 |
| Participant (employee) contributions | $14,061,989 |
| Other contributions (incl. rollovers in) | $500,980 |
| Administrative expenses paid from the plan | $368,425 |
| Benefits paid out | $13,344,393 |
| Net assets, start / end of year | $95.7M / $120.1M |
| Active participants, start / end of year | 5,022 / 4,762 |
| Participants with account balances | 6,112 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ellin and Tucker |
Largest service providers (Schedule C)
| Adp, Inc. | $368,424 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250729051326NAL0002344577001, received 2025-07-29, EIN 68-0683460, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.