Treehouse Foods, Inc. 401(k) Review & Grade
Treehouse Foods, Inc. Union 401k Plan
Oak Brook, ILManufacturing540 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,116Employer $ per active participant
$2,458Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$30.9MNet plan assets, end of year
$67,414Average balance per account
Score breakdown
- Employer generosity9.8 / 5020th percentile for employer $ per participant
- Low cost11.1 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 45th |
| Employee saving | 17th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Treehouse Foods put in about $1,116 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.
- 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 | $601,865 |
| Participant (employee) contributions | $1,326,196 |
| Other contributions (incl. rollovers in) | $27,073 |
| Administrative expenses paid from the plan | $83,974 |
| Investment advisory & management fees | $3,684 |
| Benefits paid out | $5,181,419 |
| Net assets, start / end of year | $31.5M / $30.9M |
| Active participants, start / end of year | 549 / 530 |
| Participants with account balances | 458 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $59,941 reported compensation |
| Plante and Moran PLLC | $10,352 reported compensation |
| Seyfarth Shaw LLP | $9,997 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008141752NAL0003074771001, received 2025-10-08, EIN 20-2311383, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.