United Natural Foods, Inc 401(k) Review & Grade
Unfi 401(k) Plan
Providence, RIWholesale Trade25,578 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,171Employer $ per active participant
$3,618Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$2.8BNet plan assets, end of year
$69,504Average balance per account
Score breakdown
- Employer generosity8.8 / 5018th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving4.4 / 1529th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 10,000+ active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 70th |
| Employee saving | 29th |
| Peers that auto-enroll | 63% |
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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
- United Natural Foods put in about $1,171 per active participant, below the typical peer ($2,420). 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 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 | $29,953,397 |
| Participant (employee) contributions | $92,547,423 |
| Other contributions (incl. rollovers in) | $8,762,615 |
| Administrative expenses paid from the plan | $1,388,492 |
| Other admin expenses | $47,245 |
| Benefits paid out | $310,321,446 |
| Net assets, start / end of year | $2.7B / $2.8B |
| Active participants, start / end of year | 26,416 / 24,741 |
| Participants with account balances | 39,765 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant Thornton LLP |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013180443NAL0001816129001, received 2025-10-13, EIN 05-0376157, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.