Aurora Organic Dairy Corp. 401(k) Review & Grade
Aurora Organic Dairy Corp. 401(k) Plan
Boulder, COManufacturing790 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,421Employer $ per active participant
$2,670Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$29.6MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.2 / 5028th percentile for employer $ per participant
- Low cost12.3 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1519th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 49th |
| Employee saving | 19th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $857 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Aurora Organic Dairy put in about $1,421 per active participant, below the typical peer ($2,320). 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 | $1,122,717 |
| Participant (employee) contributions | $2,109,034 |
| Other contributions (incl. rollovers in) | $60,196 |
| Administrative expenses paid from the plan | $64,633 |
| Benefits paid out | $2,075,846 |
| Net assets, start / end of year | $25.1M / $29.6M |
| Active participants, start / end of year | 794 / 786 |
| Participants with account balances | 391 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Brock Cpas |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $69,885 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014105716NAL0005570946001, received 2025-10-14, EIN 84-1097952, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.