Olin Corporation 401(k) Review & Grade
Olin Corporation Retirement Savings Plan
Clayton, MOManufacturing6,504 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,022Employer $ per active participant
$8,713Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$1.4BNet plan assets, end of year
$151,693Average balance per account
Score breakdown
- Employer generosity44.4 / 5089th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 67th |
| Employee saving | 72th |
| Peers that auto-enroll | 70% |
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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
- Olin put in about $8,022 per active participant, more than the typical peer ($3,452). 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 | $52,174,144 |
| Participant (employee) contributions | $56,667,042 |
| Other contributions (incl. rollovers in) | $5,063,484 |
| Administrative expenses paid from the plan | $976,719 |
| Investment advisory & management fees | $300,000 |
| Other admin expenses | $62,226 |
| Benefits paid out | $151,988,463 |
| Net assets, start / end of year | $1.3B / $1.4B |
| Active participants, start / end of year | 6,277 / 6,731 |
| Participants with account balances | 8,969 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
| Employer stock held by plan | $43,277,459 |
Largest service providers (Schedule C)
| Voya Institutional Plan Services | $467,921 reported compensation |
| Wells Fargo Advisors LLC | $240,000 reported compensation |
| Mcguirewoods LLP | $82,303 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250609144634NAL0012379747001, received 2025-06-09, EIN 13-1872319, plan #032, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.