American Air Liquide Holdings, Inc. 401(k) Review & Grade
American Air Liquide Holdings, Inc. Enhanced Savings Plan
Houston, TXManufacturing2,930 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,739Employer $ per active participant
$10,422Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$763.7MNet plan assets, end of year
$177,890Average balance per account
Score breakdown
- Employer generosity45.7 / 5091th percentile for employer $ per participant
- Low cost20.8 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score89 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 83th |
| Employee saving | 84th |
| Peers that auto-enroll | 70% |
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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
- American Air Liquide Holdings put in about $8,739 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 | $25,606,565 |
| Participant (employee) contributions | $30,536,116 |
| Other contributions (incl. rollovers in) | $3,857,210 |
| Administrative expenses paid from the plan | $305,088 |
| Other admin expenses | $76,752 |
| Benefits paid out | $70,962,037 |
| Net assets, start / end of year | $732.4M / $763.7M |
| Active participants, start / end of year | 2,940 / 2,920 |
| Participants with account balances | 4,293 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Torrillo and Associates, LLC |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $208,191 reported compensation |
| Towers Watson | $76,752 reported compensation |
| Weaver and Tidwell, LLP | $20,145 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014104001NAL0001230707001, received 2025-10-14, EIN 75-3174747, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.