Aramark Retirement Savings Plan for Salaried Employees 401(k) Review & Grade
Aramark Retirement Savings Plan for Salaried Employees
Philadelphia, PAAccommodation & Food Services20,852 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$761Employer $ per active participant
$3,027Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$1.4BNet plan assets, end of year
$83,901Average balance per account
Score breakdown
- Employer generosity37.5 / 5075th percentile for employer $ per participant
- Low cost16.6 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 10,000+ active participants (41 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 67th |
| Employee saving | 88th |
| Peers that auto-enroll | 24% |
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Red flags from the filing
Corrective distributions: the plan refunded $32 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Aramark Retirement Savings Plan for Salaried Employees put in about $761 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.
- 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 | $15,870,145 |
| Participant (employee) contributions | $63,108,192 |
| Other contributions (incl. rollovers in) | $8,136,889 |
| Administrative expenses paid from the plan | $786,401 |
| Contract administrator fees | $5,700 |
| Other admin expenses | $60,391 |
| Benefits paid out | $149,007,951 |
| Net assets, start / end of year | $1.3B / $1.4B |
| Active participants, start / end of year | 20,664 / 21,039 |
| Participants with account balances | 17,063 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Inv. Inst. Operations Co. | $697,980 reported compensation |
| Baker Tilly US, LLP | $38,850 reported compensation |
| Newport Group, Inc. | $37,158 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715172557NAL0002477779001, received 2026-07-15, EIN 95-2051630, plan #041, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.