Univar Solutions USA LLC 401(k) Review & Grade
Univar Solutions 401(k) Plan
Downers Grove, ILTransportation & Warehousing5,346 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,758Employer $ per active participant
$7,397Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$1.1BNet plan assets, end of year
$149,564Average balance per account
Score breakdown
- Employer generosity43.9 / 5088th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving12.0 / 1580th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 88th |
| Lower admin cost | 51th |
| Employee saving | 80th |
| Peers that auto-enroll | 46% |
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
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Univar Solutions USA put in about $6,758 per active participant, more than the typical peer ($1,834). 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 | $36,126,497 |
| Participant (employee) contributions | $39,540,291 |
| Other contributions (incl. rollovers in) | $6,864,762 |
| Administrative expenses paid from the plan | $1,246,480 |
| Contract administrator fees | $1,500 |
| Investment advisory & management fees | $368,570 |
| Other admin expenses | $492,271 |
| Benefits paid out | $126,409,805 |
| Net assets, start / end of year | $996.2M / $1.1B |
| Active participants, start / end of year | 5,406 / 5,285 |
| Participants with account balances | 7,199 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Clark Nuber PS |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $368,570 reported compensation |
| Mercer | $366,465 reported compensation |
| Fidelity Investments Institutional | $351,534 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014093638NAL0002519121001, received 2025-10-14, EIN 91-1347935, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.