Roche Bros. Midco, LLC F/k/a Roche Bros. Supermarkets, Co. 401(k) Review & Grade
Roche Bros. 401(k) and Profit Sharing Plan
Mansfield, MARetail Trade2,640 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$939Employer $ per active participant
$1,804Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$218.1MNet plan assets, end of year
$109,056Average balance per account
Score breakdown
- Employer generosity30.8 / 5062th percentile for employer $ per participant
- Low cost9.1 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1546th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 36th |
| Employee saving | 46th |
| Peers that auto-enroll | 42% |
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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
- Roche Bros. Midco, LLC F/k/a Roche Bros. Supermarkets put in about $939 per active participant, more than the typical peer ($650). 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.
- Direct plan expenses (0.19% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,479,553 |
| Participant (employee) contributions | $4,761,171 |
| Other contributions (incl. rollovers in) | $174,540 |
| Administrative expenses paid from the plan | $406,709 |
| Investment advisory & management fees | $121,689 |
| Benefits paid out | $23,900,542 |
| Net assets, start / end of year | $206.9M / $218.1M |
| Active participants, start / end of year | 2,670 / 2,609 |
| Participants with account balances | 2,000 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $340,723 reported compensation |
| Royal Alliance Associates | $121,689 reported compensation |
| Clifton Larson Allen, LLP | $19,845 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260812081806NAL0013333058001, received 2026-08-12, EIN 04-2264124, plan #001, plan year 2024-11-01 to 2025-10-31. Verify at efast.dol.gov.