Herbalife International of America, Inc. 401(k) Review & Grade
Herbalife International of America, Inc. Employees 401(k) Profit Sharing
Torrance, CAWholesale Trade2,367 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,540Employer $ per active participant
$8,936Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$416.9MNet plan assets, end of year
$141,409Average balance per account
Score breakdown
- Employer generosity43.7 / 5087th percentile for employer $ per participant
- Low cost20.1 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 80th |
| Employee saving | 91th |
| Peers that auto-enroll | 53% |
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
- Herbalife International of America put in about $4,540 per active participant, more than the typical peer ($1,792). 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 | $10,746,511 |
| Participant (employee) contributions | $21,151,036 |
| Other contributions (incl. rollovers in) | $1,960,365 |
| Administrative expenses paid from the plan | $296,151 |
| Contract administrator fees | $235,776 |
| Investment advisory & management fees | $41,250 |
| Benefits paid out | $51,000,178 |
| Net assets, start / end of year | $377.5M / $416.9M |
| Active participants, start / end of year | 2,505 / 2,229 |
| Participants with account balances | 2,948 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Insero & Co. Cpas, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $235,776 reported compensation |
| Newport Group Consulting | $41,250 reported compensation |
| Insero and Co. | $19,125 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731131041NAL0002599987001, received 2025-07-31, EIN 95-3954565, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.