Cooperative Regions of Organic Producer Pools Cooperative, Inc. 401(k) Review & Grade
Cooperative Regions of Organic Producer Pools Cooperative, Inc. 401(k) Retirement Savings Plan
La Farge, WIAgriculture, Forestry, Fishing & Hunting986 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,749Employer $ per active participant
$5,713Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$98.8MNet plan assets, end of year
$80,194Average balance per account
Score breakdown
- Employer generosity40.6 / 5081th percentile for employer $ per participant
- Low cost21.4 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 86th |
| Employee saving | 85th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Prohibited transactions: the plan reported non-exempt transactions with a party in interest.
What to do if you're in this plan
- Cooperative Regions of Organic Producer Pools Cooperative put in about $2,749 per active participant, more than the typical peer ($774). 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.
- 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 | $2,710,354 |
| Participant (employee) contributions | $5,633,327 |
| Other contributions (incl. rollovers in) | $297,614 |
| Administrative expenses paid from the plan | $50,183 |
| Investment advisory & management fees | $45,543 |
| Benefits paid out | $8,379,938 |
| Net assets, start / end of year | $83.7M / $98.8M |
| Active participants, start / end of year | 1,007 / 965 |
| Participants with account balances | 1,232 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $45,543 reported compensation |
| Jpmorgan Invest Holdings LLC | $4,640 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010114119NAL0008081329001, received 2025-10-10, EIN 39-1605145, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.