PCS Administration USA, Inc. C/o Nutrien, LTD. 401(k) Review & Grade
PCS 401(k) Retirement Plan
Loveland, COManufacturing986 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,338Employer $ per active participant
$11,739Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$184.1MNet plan assets, end of year
$219,440Average balance per account
Score breakdown
- Employer generosity44.5 / 5089th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 73th |
| Employee saving | 94th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- PCS Administration USA, Inc. C/o Nutrien put in about $6,338 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.
- 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 | $6,252,901 |
| Participant (employee) contributions | $11,580,465 |
| Other contributions (incl. rollovers in) | $147,397 |
| Administrative expenses paid from the plan | $239,726 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $60,932 |
| Other admin expenses | $127,870 |
| Benefits paid out | $33,735,297 |
| Net assets, start / end of year | $278.8M / $184.1M |
| Active participants, start / end of year | 1,053 / 920 |
| Participants with account balances | 839 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Towers Watson | $72,334 reported compensation |
| Strategic Advisors, Inc. | $60,932 reported compensation |
| Fidelity Investments Institutional | $50,598 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250721113402NAL0001810016001, received 2025-07-21, EIN 56-2111626, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.