US Foods, Inc. 401(k) Review & Grade
US Foods 401(k) Plan
Rosemont, ILWholesale Trade27,142 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,052Employer $ per active participant
$5,594Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$2.5BNet plan assets, end of year
$86,241Average balance per account
Score breakdown
- Employer generosity33.8 / 5068th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving7.9 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 10,000+ active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 67th |
| Employee saving | 53th |
| Peers that auto-enroll | 63% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $53,358 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- US Foods put in about $3,052 per active participant, more than the typical peer ($2,420). 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 | $82,827,061 |
| Participant (employee) contributions | $151,823,650 |
| Other contributions (incl. rollovers in) | $79,411,274 |
| Administrative expenses paid from the plan | $1,331,578 |
| Contract administrator fees | $9,300 |
| Other admin expenses | $167,565 |
| Benefits paid out | $355,345,475 |
| Net assets, start / end of year | $2.2B / $2.5B |
| Active participants, start / end of year | 27,135 / 27,150 |
| Participants with account balances | 28,755 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $1,083,253 reported compensation |
| Watson Wyatt | $150,425 reported compensation |
| Thompsonhine | $72,150 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014134355NAL0003059329001, received 2025-10-14, EIN 36-3642294, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.