Constellium US Holdings I, LLC 401(k) Review & Grade
Constellium Muscle Shoals, LLC Plan for Union Employees
Baltimore, MDManufacturing552 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,904Employer $ per active participant
$4,988Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$29.0MNet plan assets, end of year
$47,098Average balance per account
Score breakdown
- Employer generosity20.5 / 5041th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1551th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 53th |
| Employee saving | 51th |
| Peers that auto-enroll | 59% |
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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
- Constellium US Holdings I put in about $1,904 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $1,050,899 |
| Participant (employee) contributions | $2,753,232 |
| Other contributions (incl. rollovers in) | $12,143 |
| Administrative expenses paid from the plan | $58,233 |
| Other admin expenses | $58,233 |
| Benefits paid out | $4,097,941 |
| Net assets, start / end of year | $26.8M / $29.0M |
| Active participants, start / end of year | 566 / 538 |
| Participants with account balances | 615 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $65,523 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260401124845NAL0001188353001, received 2026-04-01, EIN 27-4126819, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.