Ahold USA, Inc. 401(k) Review & Grade
Ahold USA, Inc. 401(k) Savings Plan for Union Associates
Quincy, MARetail Trade64,305 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6Employer $ per active participant
$665Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$910.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity0.4 / 501th percentile for employer $ per participant
- Low cost13.9 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving1.3 / 159th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 1th |
| Lower admin cost | 55th |
| Employee saving | 9th |
| Peers that auto-enroll | 32% |
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Red flags from the filing
Corrective distributions: the plan refunded $89,667 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ahold USA put in about $6 per active participant, below the typical peer ($689). 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.
- 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 | $361,355 |
| Participant (employee) contributions | $42,760,234 |
| Other contributions (incl. rollovers in) | $499,673 |
| Administrative expenses paid from the plan | $675,165 |
| Contract administrator fees | $3,600 |
| Investment advisory & management fees | $3,567 |
| Other admin expenses | $6 |
| Benefits paid out | $79,355,498 |
| Net assets, start / end of year | $854.1M / $910.2M |
| Active participants, start / end of year | 52,093 / 76,517 |
| Participants with account balances | 13,958 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Newman & Noyes LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $672,411 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008080433NAL0005247569001, received 2025-10-08, EIN 53-0073545, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.