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Original filing (PDF)20251014164253NAL0006903314001
L'OREAL USA, INC.
Form 5500
FILING_RECEIVED
L'OREAL USA, INC. EMPLOYEE RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
8,887
Accounts w/ balance
12,810
Plan assets (EOY)
$2.0B
Net assets (EOY)
$2.0B
How this plan invests
This plan
21 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (3 bps vs 5 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for L'OREAL USA, INC..
Plan sponsor
Name
L'OREAL 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
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| T ROWE PRICE RPS INC | — | BALTIMORE, MD | NONE | $528K | — |
| CAPFINANCIAL PARTNERS LLC | — | RALEIGH, NC | NONE | $119K | — |
| BDO USA, P.C. | — | PITTSBURGH, PA | NONE | $42K | — |
| BUTZEL LONG | — | DETROIT, MI | NONE | $8K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $662 | — |
Investments
11 direct securities · 21 pooled funds· $2.2B(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.
Common Collective Trust
$1.8B
21 holdings
Uncategorized
$383.5M
10 holdings
Mutual Funds
$22.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| NT S&P 500 IDX DC LENDING T4 NORTHERN TRUST INVESTMENTS, INC. · EIN 45-6138589 / PN 002 | Common Collective Trust | — | — | $204.3M | 10.0% | |
| TRP RETIREMENT HYBRID 2045 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 014 | Common Collective Trust | — | — | $184.6M | 9.1% | |
| Common Collective Trusts American Century US Premier Large Cap Growth | — | — | — | $173.3M | 8.5% | |
| AM CENT US PRE LG CAP GR II GLOBAL TRUST COMPANY · EIN 30-6406015 / PN 027 | Common Collective Trust | — | — | $173.3M | 8.5% | |
| TRP RETIREMENT HYBRID 2040 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 013 | Common Collective Trust | — | — | $151.1M | 7.4% | |
| BLACKROCK MIDCAP GROWTH EQ T GREAT GRAY TRUST COMPANY, LLC · EIN 38-4139851 / PN 629 | Common Collective Trust | — | — | $140.5M | 6.9% | |
| TRP STABLE VALUE COMMON TRUST FUND T. ROWE PRICE TRUST COMPANY · EIN 52-1309931 / PN 001 | Common Collective Trust | — | — | $129.8M | 6.4% | |
| TRP RETIREMENT HYBRID 2035 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 012 | Common Collective Trust | — | — | $124.5M | 6.1% | |
| TRP RETIREMENT HYBRID 2030 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 011 | Common Collective Trust | — | — | $117.7M | 5.8% | |
| TRP RETIREMENT HYBRID 2055 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 016 | Common Collective Trust | — | — | $110.5M | 5.4% | |
| TRP RETIREMENT HYBRID 2050 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 015 | Common Collective Trust | — | — | $106.1M | 5.2% | |
| TRP RETIREMENT HYBRID 2025 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 010 | Common Collective Trust | — | — | $75.9M | 3.7% | |
| T. Rowe Price Institutional Small-Cap Stock Fund | — | — | — | $72.8M | 3.6% | |
| TRP RETIREMENT HYBRID 2060 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 018 | Common Collective Trust | — | — | $65.3M | 3.2% | |
| MFS LARGE CAP VAL CIT CLASS 3 MFS HERITAGE TRUST COMPANY · EIN 57-1187281 / PN 003 | Common Collective Trust | — | — | $51.3M | 2.5% | |
| John Hancock Disciplined Value Mid Cap R6 | — | — | — | $48.3M | 2.4% | |
| TRP RETIREMENT HYBRID 2020 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 009 | Common Collective Trust | — | — | $43.8M | 2.1% | |
| MFS INTL INTRINSIC VAL CLASS 4 MFS HERITAGE TRUST COMPANY · EIN 57-1187281 / PN 005 | Common Collective Trust | — | — | $39.4M | 1.9% | |
| NT AGG BOND LENDING T4 NORTHERN TRUST INVESTMENTS, INC. · EIN 45-6138589 / PN 088 | Common Collective Trust | — | — | $33.0M | 1.6% | |
| Vanguard Extended Market Index | — | — | — | $24.0M | 1.2% | |
| Vanguard FTSE Social Index | — | — | — | $23.4M | 1.2% | |
| Metropolitan West Total Return Bond Plan | Mutual Funds | — | — | $22.6M | 1.1% | |
| Vanguard Total International Stock Index Fund | — | — | — | $17.6M | 0.9% | |
| Principal US Retirement Fund Tier I | — | — | — | $14.0M | 0.7% | |
| US REIT FUND PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 82-2725212 / PN 001 | Common Collective Trust | — | — | $14.0M | 0.7% | |
| TRP RETIREMENT HYBRID 2065 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 019 | Common Collective Trust | — | — | $12.3M | 0.6% | |
| TRP RETIREMENT HYBRID 2015 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 008 | Common Collective Trust | — | — | $11.1M | 0.5% | |
| Self-Directed Account Various mutual funds | — | — | — | $9.3M | 0.5% | |
| TRP RETIREMENT HYBRID 2005 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 006 | Common Collective Trust | — | — | $6.4M | 0.3% | |
| TRP RETIREMENT HYBRID 2010 TRUST T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 007 | Common Collective Trust | — | — | $4.1M | 0.2% | |
| T. Rowe Price Government Money | — | — | — | $720K | <0.1% | |
| Shares Equities Sila Nano Technologies, Inc. | — | — | $4K | $83K | <0.1% |