PCS Administration USA, Inc. C/o Nutrien LTD. 401(k) Review & Grade
Nutrien Collectively Bargained 401(k) Retirement Plan
Loveland, COManufacturing506 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$9,478Employer $ per active participant
$7,793Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$56.2MNet plan assets, end of year
$91,541Average balance per account
Score breakdown
- Employer generosity47.8 / 5096th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 62th |
| Employee saving | 79th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- PCS Administration USA, Inc. C/o Nutrien put in about $9,478 per active participant, more than the typical peer ($2,320). 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 | $4,800,357 |
| Participant (employee) contributions | $3,947,061 |
| Other contributions (incl. rollovers in) | $73,704 |
| Administrative expenses paid from the plan | $84,311 |
| Investment advisory & management fees | $7,583 |
| Other admin expenses | $48,968 |
| Benefits paid out | $7,874,058 |
| Net assets, start / end of year | $51.3M / $56.2M |
| Active participants, start / end of year | 514 / 499 |
| Participants with account balances | 614 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Eide Bailly | $32,550 reported compensation |
| Fidelity Investments Institutional | $27,757 reported compensation |
| Towers Watson | $13,829 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250709122037NAL0002831683001, received 2025-07-09, EIN 56-2111626, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.