Prinova US LLC 401(k) Review & Grade
Prinova US LLC 401(k) Retirement Plan
Carol Stream, ILWholesale Trade882 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,792Employer $ per active participant
$3,747Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$38.2MNet plan assets, end of year
$56,109Average balance per account
Score breakdown
- Employer generosity25.0 / 5050th percentile for employer $ per participant
- Low cost14.1 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 57th |
| Employee saving | 35th |
| Peers that auto-enroll | 53% |
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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
- Prinova US put in about $1,792 per active participant, more than the typical peer ($1,792). 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 | $1,581,627 |
| Participant (employee) contributions | $3,306,411 |
| Other contributions (incl. rollovers in) | $162,623 |
| Administrative expenses paid from the plan | $64,332 |
| Contract administrator fees | $64,332 |
| Benefits paid out | $2,834,745 |
| Net assets, start / end of year | $31.2M / $38.2M |
| Active participants, start / end of year | 858 / 907 |
| Participants with account balances | 680 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $77,383 reported compensation |
| Sageview Advisory Group, LLC | $45,030 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260811154429NAL0009179105001, received 2026-08-11, EIN 06-1654932, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.