Treehouse Foods, Inc. 401(k) Review & Grade
Treehouse Foods, Inc. 401(k) Plan
Oak Brook, ILManufacturing4,578 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,707Employer $ per active participant
$4,275Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$398.0MNet plan assets, end of year
$88,679Average balance per account
Score breakdown
- Employer generosity20.0 / 5040th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 39th |
| Employee saving | 28th |
| Peers that auto-enroll | 70% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Treehouse Foods put in about $2,707 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 | $12,391,884 |
| Participant (employee) contributions | $19,567,743 |
| Other contributions (incl. rollovers in) | $3,428,289 |
| Administrative expenses paid from the plan | $720,336 |
| Investment advisory & management fees | $49,594 |
| Benefits paid out | $111,504,180 |
| Net assets, start / end of year | $423.6M / $398.0M |
| Active participants, start / end of year | 4,593 / 4,562 |
| Participants with account balances | 4,488 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $619,139 reported compensation |
| Goldman Sachs Asset Management LP | $49,594 reported compensation |
| Seyfarth Shaw LLP | $46,802 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008144211NAL0005706785001, received 2025-10-08, EIN 20-2311383, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.