NCH Corporation 401(k) Review & Grade
NCH Corporation Retirement Savings Plan
Irving, TXManufacturing1,866 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,098Employer $ per active participant
$9,133Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$354.2MNet plan assets, end of year
$152,226Average balance per account
Score breakdown
- Employer generosity38.0 / 5076th percentile for employer $ per participant
- Low cost19.8 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 79th |
| Employee saving | 86th |
| 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
- NCH put in about $4,098 per active participant, more than the typical peer ($2,320). 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 | $7,646,417 |
| Participant (employee) contributions | $17,042,653 |
| Other contributions (incl. rollovers in) | $1,203,404 |
| Administrative expenses paid from the plan | $271,410 |
| Investment advisory & management fees | $107,532 |
| Benefits paid out | $36,535,183 |
| Net assets, start / end of year | $323.4M / $354.2M |
| Active participants, start / end of year | 1,867 / 1,865 |
| Participants with account balances | 2,327 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Brock and Company Cpas P.C |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $222,085 reported compensation |
| NCH Corporation | $49,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250709163308NAL0003496675001, received 2025-07-09, EIN 75-0457200, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.