Treehouse Foods, Inc. 401(k) Review & Grade
Treehouse Private Brands, Inc. Retirement Income Savings Plan for Union Employees
Oak Brook, ILManufacturing814 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,966Employer $ per active participant
$2,468Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$38.0MNet plan assets, end of year
$59,262Average balance per account
Score breakdown
- Employer generosity21.2 / 5042th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 38th |
| Employee saving | 17th |
| Peers that auto-enroll | 59% |
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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
- Treehouse Foods put in about $1,966 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 | $1,600,199 |
| Participant (employee) contributions | $2,009,076 |
| Other contributions (incl. rollovers in) | $257,730 |
| Administrative expenses paid from the plan | $124,507 |
| Investment advisory & management fees | $4,543 |
| Benefits paid out | $9,111,500 |
| Net assets, start / end of year | $39.5M / $38.0M |
| Active participants, start / end of year | 809 / 819 |
| Participants with account balances | 642 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $95,482 reported compensation |
| Plante and Moran PLLC | $12,278 reported compensation |
| Seyfarth Shaw LLP | $12,204 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008144333NAL0006016273001, received 2025-10-08, EIN 20-2311383, plan #008, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.