Post Holdings, Inc. 401(k) Review & Grade
Post Holdings, Inc. Savings Investment Plan
ST Louis, MOManufacturing6,612 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,423Employer $ per active participant
$7,850Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$1.1BNet plan assets, end of year
$115,073Average balance per account
Score breakdown
- Employer generosity32.5 / 5065th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving10.0 / 1566th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 63th |
| Employee saving | 66th |
| Peers that auto-enroll | 70% |
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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
- Post Holdings put in about $4,423 per active participant, more than the typical peer ($3,452). 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 | $29,247,578 |
| Participant (employee) contributions | $51,904,747 |
| Other contributions (incl. rollovers in) | $9,480,002 |
| Administrative expenses paid from the plan | $852,267 |
| Investment advisory & management fees | $264,656 |
| Other admin expenses | $235,382 |
| Benefits paid out | $92,690,264 |
| Net assets, start / end of year | $971.9M / $1.1B |
| Active participants, start / end of year | 6,697 / 6,527 |
| Participants with account balances | 9,452 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown LLP |
| Employer stock held by plan | $24,394,958 |
Largest service providers (Schedule C)
| Vanguard Group, Inc. | $587,611 reported compensation |
| Vanguard Advisers, Inc. | $264,656 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250707125005NAL0001616531003, received 2025-07-07, EIN 45-3355106, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.