Constellium US Holdings I, LLC 401(k) Review & Grade
Constellium Rolled Products Ravenswood, LLC Plan for Union Employees
Baltimore, MDManufacturing673 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,647Employer $ per active participant
$4,379Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$41.4MNet plan assets, end of year
$60,764Average balance per account
Score breakdown
- Employer generosity17.1 / 5034th percentile for employer $ per participant
- Low cost16.9 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1542th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 34th |
| Lower admin cost | 68th |
| Employee saving | 42th |
| 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 $1,647 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 | $1,108,117 |
| Participant (employee) contributions | $2,946,931 |
| Other contributions (incl. rollovers in) | $1,871 |
| Administrative expenses paid from the plan | $49,104 |
| Other admin expenses | $49,104 |
| Benefits paid out | $2,691,600 |
| Net assets, start / end of year | $35.3M / $41.4M |
| Active participants, start / end of year | 696 / 650 |
| Participants with account balances | 681 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $55,358 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260402123950NAL0002275393001, received 2026-04-02, EIN 27-4126819, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.