Amrize North America Inc. 401(k) Review & Grade
Holcim (US) Inc. Retirement Savings Plan
Dundee, MIConstruction8,157 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,488Employer $ per active participant
$7,414Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$1.3BNet plan assets, end of year
$114,561Average balance per account
Score breakdown
- Employer generosity44.7 / 5089th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 58th |
| Employee saving | 72th |
| Peers that auto-enroll | 57% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $13,399 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 $6,488 per active participant, more than the typical peer ($1,965). 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 | $52,919,685 |
| Participant (employee) contributions | $60,474,106 |
| Other contributions (incl. rollovers in) | $10,954,769 |
| Administrative expenses paid from the plan | $1,158,557 |
| Contract administrator fees | $1,800 |
| Investment advisory & management fees | $474,678 |
| Benefits paid out | $147,008,136 |
| Net assets, start / end of year | $1.1B / $1.3B |
| Active participants, start / end of year | 7,286 / 9,028 |
| Participants with account balances | 11,091 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $592,205 reported compensation |
| Strategic Advisors, Inc. | $412,522 reported compensation |
| Fiducient Advisors LLC | $62,157 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010102638NAL0004499955001, received 2025-10-10, EIN 54-1527022, plan #302, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.