Amrize North America Inc. 401(k) Review & Grade
Holcim (US) Inc. Union 401(k) Plan
Dundee, MIConstruction1,109 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,421Employer $ per active participant
$5,324Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$91.5MNet plan assets, end of year
$63,702Average balance per account
Score breakdown
- Employer generosity43.5 / 5087th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 39th |
| Employee saving | 69th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $786 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Amrize North America put in about $4,421 per active participant, more than the typical peer ($1,672). 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.
- 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 | $4,902,364 |
| Participant (employee) contributions | $5,904,556 |
| Other contributions (incl. rollovers in) | $193,760 |
| Administrative expenses paid from the plan | $254,127 |
| Investment advisory & management fees | $83,660 |
| Other admin expenses | $9,890 |
| Benefits paid out | $11,648,362 |
| Net assets, start / end of year | $70.6M / $91.5M |
| Active participants, start / end of year | 962 / 1,256 |
| Participants with account balances | 1,437 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $101,090 reported compensation |
| Fiducient Advisors LLC | $42,848 reported compensation |
| Strategic Advisors, Inc. | $40,812 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010102332NAL0004140323001, received 2025-10-10, EIN 54-1527022, plan #020, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.