Producers Dairy Foods Inc. 401(k) Review & Grade
Producers Dairy Foods Inc. 401(k) Profit Sharing Plan
Fresno, CAManufacturing1,149 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,216Employer $ per active participant
$4,940Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$92.3MNet plan assets, end of year
$50,904Average balance per account
Score breakdown
- Employer generosity23.9 / 5048th percentile for employer $ per participant
- Low cost13.1 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving7.5 / 1550th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 53th |
| Employee saving | 50th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($5,636 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
- Producers Dairy Foods put in about $2,216 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- 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 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 | $2,545,655 |
| Participant (employee) contributions | $5,676,205 |
| Other contributions (incl. rollovers in) | $988,435 |
| Administrative expenses paid from the plan | $175,748 |
| Investment advisory & management fees | $37,500 |
| Benefits paid out | $6,604,717 |
| Net assets, start / end of year | $74.2M / $92.3M |
| Active participants, start / end of year | 1,025 / 1,273 |
| Participants with account balances | 1,813 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kernutt Stokes (LLP) |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $138,248 reported compensation |
| Roehl-Yi Investment Advisors, LLC | $37,500 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715104425NAL0002846225001, received 2026-07-15, EIN 94-0783760, plan #002, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.