Nutrien US LLC 401(k) Review & Grade
Nutrien 401(k) Retirement Plan
Loveland, CORetail Trade12,702 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7,075Employer $ per active participant
$7,142Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$2.0BNet plan assets, end of year
$122,084Average balance per account
Score breakdown
- Employer generosity49.6 / 5099th percentile for employer $ per participant
- Low cost11.6 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1598th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 47th |
| Employee saving | 98th |
| Peers that auto-enroll | 32% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $14,825 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Nutrien US put in about $7,075 per active participant, more than the typical peer ($689). 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 | $89,865,727 |
| Participant (employee) contributions | $90,720,465 |
| Other contributions (incl. rollovers in) | $11,590,875 |
| Administrative expenses paid from the plan | $1,701,667 |
| Contract administrator fees | $4,200 |
| Investment advisory & management fees | $319,200 |
| Other admin expenses | $546,809 |
| Benefits paid out | $192,647,857 |
| Net assets, start / end of year | $1.7B / $2.0B |
| Active participants, start / end of year | 12,388 / 13,017 |
| Participants with account balances | 16,058 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $831,429 reported compensation |
| Towers Watson | $464,876 reported compensation |
| Strategic Advisors, Inc. | $319,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250721112725NAL0001394001001, received 2025-07-21, EIN 91-1589568, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.