Stmicroelectronics, Inc. 401(k) Review & Grade
Stmicroelectronics, Inc. 401(k) Savings Plan
Coppell, TXManufacturing829 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$9,099Employer $ per active participant
$15,172Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$572.2MNet plan assets, end of year
$361,722Average balance per account
Score breakdown
- Employer generosity47.6 / 5095th percentile for employer $ per participant
- Low cost20.9 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving14.7 / 1598th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 84th |
| Employee saving | 98th |
| 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
- Stmicroelectronics put in about $9,099 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.
- 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 | $7,542,786 |
| Participant (employee) contributions | $12,577,279 |
| Other contributions (incl. rollovers in) | $3,855,733 |
| Administrative expenses paid from the plan | $339,124 |
| Investment advisory & management fees | $77,575 |
| Other admin expenses | $6,262 |
| Benefits paid out | $43,580,257 |
| Net assets, start / end of year | $513.0M / $572.2M |
| Active participants, start / end of year | 831 / 827 |
| Participants with account balances | 1,582 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
| Employer stock held by plan | $7,769,465 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $149,611 reported compensation |
| Strategic Advisors, Inc. | $77,575 reported compensation |
| Capfinancial Partners LLC | $60,999 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250723135551NAL0008886402001, received 2025-07-23, EIN 04-2495946, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.