Employer · plans filed under one EIN
L'Oreal USA, Inc.
Berkeley Heights, NJ · Manufacturing
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances.
L'Oreal USA, Inc., based in Berkeley Heights, New Jersey, sponsors 2 retirement plans with 100 or more participants: 1 defined contribution and 1 defined benefit. Together they reported 24,999 participant records and $2.87B in net assets.
The largest is L'Oreal USA, Inc. Employee Retirement Savings Plan, a 401(k) plan with 13,365 participants. A person can be counted in more than one plan, so the participant total is a count of records rather than of people.
Employer contributions across the plans were $35.0M and participant contributions $83.9M in the latest plan years; benefits paid were $202M. Schedule C compensation reported to service provider organisations totalled $4.7M.
Combined net assets moved from $1.04B in 2009 to $2.87B in 2024 (up 176%). Plan mergers and spin-offs show up here as steps in the series.
Plans
| Plan | Kind | Plan year | Participants | Net assets | Per participant | Employer / active | Sch. C compensation |
|---|---|---|---|---|---|---|---|
| L'Oreal USA, Inc. Employee Retirement Savings Plan | 401(k) plan | 2024 | 13,365 | $2.04B | $152,415 | $3,937 | $690K |
| Pension Plan of L'Oreal USA, Inc. | defined benefit pension plan | 2024 | 11,634 | $831M | $71,466 | — | $4.0M |
| US median, plan year 2024: DC plans $53,102 per participant, $2,175 employer contribution per active participant; DB plans $86,221 and $10,244. | |||||||
Trend by plan year
| Plan year | Plans | Participant records | Net assets | Employer contributions | Participant contributions |
|---|---|---|---|---|---|
| 2024 | 2 | 24,999 | $2.87B | $35.0M | $83.9M |
| 2023 | 2 | 24,713 | $2.69B | $32.5M | $77.9M |
| 2022 | 2 | 23,282 | $2.32B | $29.5M | $69.4M |
| 2021 | 2 | 22,411 | $2.95B | $25.5M | $61.8M |
| 2020 | 2 | 22,118 | $2.77B | $65.4M | $60.0M |
| 2019 | 2 | 22,358 | $2.44B | $24.9M | $57.8M |
| 2018 | 2 | 21,763 | $2.02B | $22.9M | $53.3M |
| 2017 | 2 | 21,316 | $2.17B | $82.5M | $50.8M |
| 2016 | 2 | 22,299 | $1.93B | $45.2M | $45.1M |
| 2015 | 2 | 20,979 | $1.80B | $38.8M | $42.2M |
| 2014 | 2 | 21,860 | $1.88B | $37.8M | $38.6M |
| 2013 | 2 | 21,554 | $1.73B | $64.4M | $36.6M |
| 2012 | 2 | 20,385 | $1.55B | $79.9M | $33.6M |
| 2011 | 2 | 20,399 | $1.36B | $78.8M | $31.7M |
| 2010 | 2 | 20,209 | $1.27B | $145M | $31.1M |
| 2009 | 2 | 20,712 | $1.04B | $57.6M | $31.8M |
History of the plans listed above, in the years each filed the full Form 5500 with 100 or more participants. Plans that have since terminated are not included.
Service providers
| Organisation | Services reported | Plans | Compensation reported |
|---|---|---|---|
| Willis Towers Watson US LLC | Actuarial; Plan Administrator; Recordkeeping and information management | 1 | $1,047,978 |
| Wellington Management Co. | Investment management | 1 | $711,522 |
| Pimco | Investment management; Investment advisory (plan) | 1 | $706,063 |
| JP Morgan Investment MGMT Inc. | Investment advisory (plan); Investment management | 1 | $611,783 |
| T Rowe Price RPS Inc. | Recordkeeping and information management; Trustee (bank, trust company, or similar financial institution); Trustee (directed); Investment management | 1 | $528,199 |
| Northern Trust Corporation | Trustee (bank, trust company, or similar financial institution); Other services | 1 | $371,899 |
| Atlanta Capital | Investment management | 1 | $299,066 |
| Capfinancial Partners LLC | Investment advisory (plan); Consulting (general) | 2 | $286,880 |
| BDO USA, P.C. | Accounting (including auditing) | 2 | $105,000 |
| William Blair | Trustee (bank, trust company, or similar financial institution) | 1 | $60,072 |
| Charles Schwab & Co., Inc. | Securities brokerage | 1 | $662 |
Organisations paid $5,000 or more by any of these plans, from Schedule C. Individuals are not shown.
Questions and answers
How many retirement plans does L'Oreal USA, Inc. have?
2 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: L'Oreal USA, Inc. Employee Retirement Savings Plan and Pension Plan of L'Oreal USA, Inc.. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does L'Oreal USA, Inc. contribute to its plans?
$34,989,947 in employer contributions across these plans in their latest plan years, about $2,172 per active participant record. Form 5500 reports totals and not the match or accrual formula.
Who provides services to these plans?
Schedule C filings name Willis Towers Watson US LLC, Wellington Management Co., Pimco and JP Morgan Investment MGMT Inc. and others. Only organisations paid $5,000 or more by a plan are listed on Schedule C.
Where does this come from?
Form 5500 annual reports filed with the Department of Labor's EFAST2 system, from the EBSA research files, with filings received through 24 Aug 2026. Figures are as filed and may be amended.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Plans are grouped by the sponsor's employer identification number exactly as filed; a company that files under several EINs appears as several employers. See the methodology and corrections.