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Original filing (PDF)20251014131955NAL0001408723001
LOREAL USA, INC.
Form 5500
FILING_RECEIVED
PENSION PLAN OF L'OREAL USA, INC.
Defined-benefit pension plan
Signals · 2
No recordkeeper disclosed10 service providers
Active participants
7,221
Accounts w/ balance
—
Plan assets (EOY)
$832.9M
Net assets (EOY)
$831.4M
How this plan invests
This plan
1 collective trust
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
Plan health score (directional)
83
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
68
Participation health
100
Knocking points off
- 49 bps in Schedule C fees — 711% above peer band of 6 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (10 disclosed providers, 5 categories).
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOREAL USA, INC..
Plan sponsor
Name
LOREAL USA, INC.
EIN
22-1539735
Address
50 CONNELL DRIVE · BERKELEY HEIGHTS, NJ · 07922
Phone
(908) 673-3498
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
1A · Pay-related DB formula
3H · Sponsor in controlled / affiliated group
1E · Section 401(h) arrangement
3F · Sponsor used leased employees
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
10 rowsAdvisor / Consultant
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT CO. | 30-0835489 | — | INVESTMENT MANAGER | $712K | — |
| PIMCO | 33-0629048 | — | INVESTMENT MANAGER | $706K | — |
| JP MORGAN INVESTMENT MGMT INC | 13-3200244 | — | INVESTMENT MANAGER | $612K | — |
| ATLANTA CAPITAL | 58-2236910 | — | INVESTMENT MANAGER | $299K | — |
| CAPFINANCIAL PARTNERS, LLC | 26-0058143 | — | INVESTMENT ADVISOR | $168K | — |
| WILLIAM BLAIR | — | CHICAGO, IL | INVESTMENT MANAGER | $60K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NORTHERN TRUST CORPORATION | 36-2723087 | — | TRUSTEE | $372K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BDO USA, P.C. | 13-5381590 | — | AUDITOR | $64K | — |
Actuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | 53-0181291 | — | ACTUARY | $1.0M | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BUTZEL LONG | 38-2384883 | — | LEGAL | $14K | — |
Investments
1 pooled fund· $832.9M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| PEN PLN LOREAL USA MASTER RET TRST L'OREAL USA, INC. · EIN 13-3647058 / PN 001 | Master Trust | $832.9M | 100.0% |