Total Sweeteners, Inc. 401(k) Review & Grade
Batory Foods 401(k) Profit Sharing Plan · d/b/a Batory Foods
Rosemont, ILWholesale Trade530 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,408Employer $ per active participant
$7,053Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$124.0MNet plan assets, end of year
$215,637Average balance per account
Score breakdown
- Employer generosity47.7 / 5095th percentile for employer $ per participant
- Low cost12.5 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1580th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 50th |
| Employee saving | 80th |
| Peers that auto-enroll | 53% |
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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
- Total Sweeteners put in about $7,408 per active participant, more than the typical peer ($1,792). 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 | $3,930,048 |
| Participant (employee) contributions | $3,741,481 |
| Other contributions (incl. rollovers in) | $1,790,280 |
| Administrative expenses paid from the plan | $264,431 |
| Other admin expenses | $45,958 |
| Benefits paid out | $7,792,394 |
| Net assets, start / end of year | $106.2M / $124.0M |
| Active participants, start / end of year | 546 / 515 |
| Participants with account balances | 575 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lipschultz, Levin & Gray |
Largest service providers (Schedule C)
| First American Bank | $167,834 reported compensation |
| Empower Annuity Insurance Company | $60,778 reported compensation |
| Lipschultz Levin & Gray LLC | $18,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260804130708NAL0001482961001, received 2026-08-04, EIN 36-3005310, plan #001, plan year 2024-11-01 to 2025-10-31. Verify at efast.dol.gov.