C.H. Robinson Company, Inc. 401(k) Review & Grade
Robinson Companies Retirement Plan
Eden Prairie, MNTransportation & Warehousing8,741 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,127Employer $ per active participant
$7,410Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$1.8BNet plan assets, end of year
$123,720Average balance per account
Score breakdown
- Employer generosity41.4 / 5083th percentile for employer $ per participant
- Low cost21.3 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 85th |
| Employee saving | 81th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,528 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- C.H. Robinson Company put in about $5,127 per active participant, more than the typical peer ($1,834). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $44,813,762 |
| Participant (employee) contributions | $64,768,298 |
| Other contributions (incl. rollovers in) | $3,024,647 |
| Administrative expenses paid from the plan | $654,744 |
| Contract administrator fees | $2,400 |
| Other admin expenses | $58,528 |
| Benefits paid out | $184,299,510 |
| Net assets, start / end of year | $1.6B / $1.8B |
| Active participants, start / end of year | 9,197 / 8,285 |
| Participants with account balances | 14,526 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche LLP |
| Employer stock held by plan | $34,136,079 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $603,171 reported compensation |
| Mercer Investments LLC | $58,527 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250710141915NAL0006662897001, received 2025-07-10, EIN 41-1956721, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.