Rochelle Foods, LLC 401(k) Review & Grade
Capital Accumulation Plan
Rochelle, ILManufacturing5,145 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,581Employer $ per active participant
$2,316Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$187.0MNet plan assets, end of year
$31,324Average balance per account
Score breakdown
- Employer generosity10.1 / 5020th percentile for employer $ per participant
- Low cost10.9 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving1.5 / 1510th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 44th |
| Employee saving | 10th |
| Peers that auto-enroll | 70% |
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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
- Rochelle Foods put in about $1,581 per active participant, below the typical peer ($3,452). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $8,132,055 |
| Participant (employee) contributions | $11,918,138 |
| Other contributions (incl. rollovers in) | $388,650 |
| Administrative expenses paid from the plan | $266,178 |
| Investment advisory & management fees | $46,384 |
| Other admin expenses | $6,583 |
| Benefits paid out | $21,768,997 |
| Net assets, start / end of year | $171.7M / $187.0M |
| Active participants, start / end of year | 5,158 / 5,132 |
| Participants with account balances | 5,969 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young, LLP |
| Employer stock held by plan | $4,594,251 |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $176,174 reported compensation |
| Meketa Fiduciary Management LLC | $44,584 reported compensation |
| Ernst & Young US LLP | $33,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919135648NAL0003641602001, received 2025-09-19, EIN 36-3889635, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.