Veolia WTS USA, Inc. 401(k) Review & Grade
Veolia WTS 401(k) Plan
Trevose, PAManufacturing3,336 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,241Employer $ per active participant
$10,415Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$479.7MNet plan assets, end of year
$113,046Average balance per account
Score breakdown
- Employer generosity42.9 / 5086th percentile for employer $ per participant
- Low cost18.2 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 73th |
| Employee saving | 83th |
| Peers that auto-enroll | 70% |
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
Corrective distributions: the plan refunded $5,857 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Veolia WTS USA put in about $7,241 per active participant, more than the typical peer ($3,452). 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 | $24,156,675 |
| Participant (employee) contributions | $34,743,569 |
| Other contributions (incl. rollovers in) | $8,259,226 |
| Administrative expenses paid from the plan | $266,231 |
| Benefits paid out | $45,248,994 |
| Net assets, start / end of year | $401.7M / $479.7M |
| Active participants, start / end of year | 3,199 / 3,473 |
| Participants with account balances | 4,243 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $266,231 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009112737NAL0006510689001, received 2025-10-09, EIN 23-1503731, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.