Helena Agri-Enterprises, LLC 401(k) Review & Grade
Helena Agri-Enterprises, LLC Savings Plan
Collierville, TNWholesale Trade6,240 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,777Employer $ per active participant
$6,162Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$678.2MNet plan assets, end of year
$87,156Average balance per account
Score breakdown
- Employer generosity35.8 / 5072th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 75th |
| Employee saving | 64th |
| Peers that auto-enroll | 62% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Helena Agri-Enterprises put in about $3,777 per active participant, more than the typical peer ($2,459). 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 | $23,569,695 |
| Participant (employee) contributions | $38,449,653 |
| Other contributions (incl. rollovers in) | $3,332,406 |
| Administrative expenses paid from the plan | $361,728 |
| Other admin expenses | $361,728 |
| Benefits paid out | $68,013,777 |
| Net assets, start / end of year | $595.3M / $678.2M |
| Active participants, start / end of year | 6,228 / 6,252 |
| Participants with account balances | 7,782 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Merrill Lynch,pierce,fenner & Smith | $469,966 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015221554NAL0002919539001, received 2025-10-15, EIN 71-0293688, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.