Trouw Nutrition USA, LLC 401(k) Review & Grade
Nutreco USA 401(k) Plan
Highland, ILManufacturing570 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,633Employer $ per active participant
$6,336Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$72.8MNet plan assets, end of year
$95,400Average balance per account
Score breakdown
- Employer generosity40.1 / 5080th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 98th |
| Employee saving | 67th |
| 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
- Trouw Nutrition USA put in about $4,633 per active participant, more than the typical peer ($2,320). 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 | $2,641,066 |
| Participant (employee) contributions | $3,611,398 |
| Other contributions (incl. rollovers in) | $748,152 |
| Administrative expenses paid from the plan | $5,027 |
| Investment advisory & management fees | $20,745 |
| Benefits paid out | $10,751,317 |
| Net assets, start / end of year | $66.3M / $72.8M |
| Active participants, start / end of year | 596 / 544 |
| Participants with account balances | 763 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Conner-Ash P.C. |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $20,745 reported compensation |
| Fidelity Investments Institutional | −$15,718 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250904145007NAL0010097523001, received 2025-09-04, EIN 52-2298425, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.