Bausch & Lomb Americas Inc. 401(k) Review & Grade
Bausch & Lomb Americas Inc. Retirement Savings Plan
Bridgewater, NJManufacturing5,160 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,347Employer $ per active participant
$8,037Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$810.6MNet plan assets, end of year
$143,490Average balance per account
Score breakdown
- Employer generosity31.9 / 5064th percentile for employer $ per participant
- Low cost15.4 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1568th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 62th |
| Employee saving | 68th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Corrective distributions: the plan refunded $17,596 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Bausch & Lomb Americas put in about $4,347 per active participant, more than the typical peer ($3,452). 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 | $22,430,229 |
| Participant (employee) contributions | $41,472,136 |
| Other contributions (incl. rollovers in) | $15,630,866 |
| Administrative expenses paid from the plan | $659,419 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $227,310 |
| Benefits paid out | $95,538,641 |
| Net assets, start / end of year | $715.4M / $810.6M |
| Active participants, start / end of year | 5,054 / 5,266 |
| Participants with account balances | 5,649 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Insero & Co. Cpas, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $403,884 reported compensation |
| Strategic Advisors, Inc. | $177,310 reported compensation |
| Captrust | $50,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006134719NAL0003487713001, received 2025-10-06, EIN 85-4359919, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.