Sanofi-Aventis US LLC 401(k) Review & Grade
Sanofi U.S. Group Savings Plan
Morristown, NJManufacturing13,472 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$15,133Employer $ per active participant
$16,809Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$8.5BNet plan assets, end of year
$326,569Average balance per account
Score breakdown
- Employer generosity47.3 / 5095th percentile for employer $ per participant
- Low cost23.6 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 10,000+ active participants (151 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 95th |
| Employee saving | 88th |
| Peers that auto-enroll | 69% |
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
- Sanofi-Aventis US put in about $15,133 per active participant, more than the typical peer ($5,480). 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 | $203,865,954 |
| Participant (employee) contributions | $226,451,342 |
| Other contributions (incl. rollovers in) | $32,669,256 |
| Administrative expenses paid from the plan | $1,019,893 |
| Contract administrator fees | $1,019,893 |
| Benefits paid out | $764,248,179 |
| Net assets, start / end of year | $7.8B / $8.5B |
| Active participants, start / end of year | 13,765 / 13,179 |
| Participants with account balances | 26,012 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Fischer Cunnane & Associates LTD |
Largest service providers (Schedule C)
| T. Rowe Price | $589,733 reported compensation |
| Fisher Cunnane& Associates LTD | $96,500 reported compensation |
| Bny Mellon | $70,564 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001105435NAL0031454306001, received 2025-10-01, EIN 36-4406953, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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