Yum Brands, Inc. 401(k) Review & Grade
Yum Brands 401k Plan
Louisville, KYAccommodation & Food Services22,464 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,038Employer $ per active participant
$1,818Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$989.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity41.3 / 5082th percentile for employer $ per participant
- Low cost8.2 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving11.6 / 1578th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 10,000+ active participants (41 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 33th |
| Employee saving | 78th |
| Peers that auto-enroll | 24% |
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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
- Yum Brands put in about $1,038 per active participant, more than the typical peer ($393). 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 (0.13% of assets) are well above similar-size plans (0.09%). 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 | $23,309,141 |
| Participant (employee) contributions | $40,848,988 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $1,260,070 |
| Other admin expenses | $1,260,070 |
| Benefits paid out | $88,001,813 |
| Net assets, start / end of year | $910.9M / $989.3M |
| Active participants, start / end of year | 22,260 / 22,667 |
| Participants with account balances | 7,188 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | KPMG |
| Employer stock held by plan | $150,076,646 |
Largest service providers (Schedule C)
| Voya Advisors LLC | $566,354 reported compensation |
| Voya Institutional Plan Services | $348,086 reported compensation |
| State Street Global Advisors Trust | $195,775 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250729172611NAL0003721441001, received 2025-07-29, EIN 13-3951308, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.