Gordon Food Service, Inc. 401(k) Review & Grade
Gordon Food Service, Inc. Profit Sharing Plan
Grand Rapids, MIWholesale Trade13,934 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,045Employer $ per active participant
$5,620Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$2.8BNet plan assets, end of year
$149,767Average balance per account
Score breakdown
- Employer generosity48.5 / 5097th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving8.4 / 1556th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 10,000+ active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 51th |
| Employee saving | 56th |
| Peers that auto-enroll | 63% |
Red flags from the filing
Corrective distributions: the plan refunded $1,987 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Gordon Food Service put in about $8,045 per active participant, more than the typical peer ($2,420). 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 | $112,103,215 |
| Participant (employee) contributions | $78,314,693 |
| Other contributions (incl. rollovers in) | $7,445,527 |
| Administrative expenses paid from the plan | $2,200,527 |
| Other admin expenses | $2,200,527 |
| Benefits paid out | $251,085,174 |
| Net assets, start / end of year | $2.5B / $2.8B |
| Active participants, start / end of year | 13,884 / 13,985 |
| Participants with account balances | 18,418 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Hungerford |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $1,296,114 reported compensation |
| Vanguard Advisers Inc. | $1,065,613 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260506121048NAL0002340544001, received 2026-05-06, EIN 38-1249848, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.
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