Siteone Landscape Supply Inc 401(k) Review & Grade
Siteone Savings and Investment Plan
Roswell, GAAgriculture, Forestry, Fishing & Hunting7,182 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,421Employer $ per active participant
$5,440Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$519.1MNet plan assets, end of year
$60,966Average balance per account
Score breakdown
- Employer generosity27.6 / 5055th percentile for employer $ per participant
- Low cost15.9 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 63th |
| Employee saving | 55th |
| Peers that auto-enroll | 52% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,631 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Siteone Landscape Supply put in about $2,421 per active participant, more than the typical peer ($2,062). 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 | $17,386,303 |
| Participant (employee) contributions | $39,066,146 |
| Other contributions (incl. rollovers in) | $4,965,444 |
| Administrative expenses paid from the plan | $391,337 |
| Contract administrator fees | $1,800 |
| Investment advisory & management fees | $70,000 |
| Other admin expenses | $7,050 |
| Benefits paid out | $45,535,794 |
| Net assets, start / end of year | $436.8M / $519.1M |
| Active participants, start / end of year | 6,989 / 7,374 |
| Participants with account balances | 8,515 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche LLP |
| Employer stock held by plan | $4,191,157 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $245,250 reported compensation |
| LPL Financial LLC | $70,000 reported compensation |
| Windham Brannon LLC | $65,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260706110111NAL0015488211001, received 2026-07-06, EIN 36-4485550, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.