Case New Holland Industrial Inc. 401(k) Review & Grade
CNH Industrial U.S. Retirement Savings Plan
Racine, WIManufacturing10,101 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7,458Employer $ per active participant
$7,644Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$2.3BNet plan assets, end of year
$194,300Average balance per account
Score breakdown
- Employer generosity35.0 / 5070th percentile for employer $ per participant
- Low cost19.1 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1541th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 10,000+ active participants (151 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 76th |
| Employee saving | 41th |
| Peers that auto-enroll | 69% |
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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
- Case New Holland Industrial put in about $7,458 per active participant, more than the typical peer ($5,480). 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 | $75,334,464 |
| Participant (employee) contributions | $77,213,640 |
| Other contributions (incl. rollovers in) | $8,961,879 |
| Administrative expenses paid from the plan | $925,122 |
| Investment advisory & management fees | $125,000 |
| Other admin expenses | $231,806 |
| Benefits paid out | $308,036,321 |
| Net assets, start / end of year | $2.1B / $2.3B |
| Active participants, start / end of year | 10,601 / 9,601 |
| Participants with account balances | 11,723 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Fidelity Investments | $407,934 reported compensation |
| Mma Securities LLC | $125,000 reported compensation |
| Crowe LLP | $94,451 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015174702NAL0005568033001, received 2025-10-15, EIN 39-1982756, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.