United States Bakery 401(k) Review & Grade
United States Bakery Profit Sharing & 401(k) Plan
Portland, ORManufacturing1,044 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,845Employer $ per active participant
$3,529Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$106.9MNet plan assets, end of year
$79,922Average balance per account
Score breakdown
- Employer generosity47.3 / 5095th percentile for employer $ per participant
- Low cost13.4 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 54th |
| Employee saving | 30th |
| 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
- United States Bakery put in about $8,845 per active participant, more than the typical peer ($2,320). 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 | $9,230,269 |
| Participant (employee) contributions | $3,682,305 |
| Other contributions (incl. rollovers in) | $53,445 |
| Administrative expenses paid from the plan | $209,062 |
| Investment advisory & management fees | $149,615 |
| Benefits paid out | $9,424,441 |
| Net assets, start / end of year | $98.3M / $106.9M |
| Active participants, start / end of year | 1,036 / 1,051 |
| Participants with account balances | 1,337 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Aldrich Cpas & Advisors LLP |
Largest service providers (Schedule C)
| Milliman Investments | $111,615 reported compensation |
| Morgan Stanley Global Bank Ops | $38,000 reported compensation |
| Milliman, Inc. | $30,132 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930152731NAL0012469089001, received 2025-09-30, EIN 93-0302130, plan #001, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.