Louis Dreyfus Company LLC 401(k) Review & Grade
Louis Dreyfus Retirement Savings Plan
Wilton, CTWholesale Trade1,096 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,963Employer $ per active participant
$8,330Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$287.0MNet plan assets, end of year
$168,508Average balance per account
Score breakdown
- Employer generosity45.8 / 5092th percentile for employer $ per participant
- Low cost17.9 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 71th |
| Employee saving | 88th |
| 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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($371 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Louis Dreyfus Company put in about $5,963 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $6,538,148 |
| Participant (employee) contributions | $9,134,112 |
| Other contributions (incl. rollovers in) | $1,083,766 |
| Administrative expenses paid from the plan | $302,314 |
| Contract administrator fees | $285,876 |
| Other admin expenses | $3,536 |
| Benefits paid out | $27,866,128 |
| Net assets, start / end of year | $256.9M / $287.0M |
| Active participants, start / end of year | 1,078 / 1,115 |
| Participants with account balances | 1,703 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $285,585 reported compensation |
| Creative Planning | $52,500 reported compensation |
| Caron & Bletzer PLLC | $12,920 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250912084721NAL0000805777001, received 2025-09-12, EIN 27-3304138, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.