Pernod Ricard USA, LLC 401(k) Review & Grade
Savings Plan for Employees of Pernod Ricard USA, LLC
New York, NYWholesale Trade1,334 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$10,291Employer $ per active participant
$10,569Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$357.9MNet plan assets, end of year
$159,371Average balance per account
Score breakdown
- Employer generosity49.1 / 5098th percentile for employer $ per participant
- Low cost20.0 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 80th |
| Employee saving | 95th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($36,641 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $26,019 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pernod Ricard USA put in about $10,291 per active participant, more than the typical peer ($1,792). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $13,733,217 |
| Participant (employee) contributions | $14,104,635 |
| Other contributions (incl. rollovers in) | $3,197,624 |
| Administrative expenses paid from the plan | $250,237 |
| Other admin expenses | $124,367 |
| Benefits paid out | $25,344,985 |
| Net assets, start / end of year | $298.4M / $357.9M |
| Active participants, start / end of year | 1,335 / 1,334 |
| Participants with account balances | 2,246 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars LLP |
Largest service providers (Schedule C)
| Nepc, LLC | $124,367 reported compensation |
| Fidelity Investments Institutional | $64,737 reported compensation |
| Forvis Mazars, LLP | $35,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002122117NAL0000479681001, received 2025-10-02, EIN 52-2318616, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.