Cemex, Inc. 401(k) Review & Grade
Cemex, Inc. Savings Plan
Houston, TXWholesale Trade8,808 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,963Employer $ per active participant
$6,916Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$942.3MNet plan assets, end of year
$96,680Average balance per account
Score breakdown
- Employer generosity36.8 / 5074th percentile for employer $ per participant
- Low cost13.8 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving11.6 / 1577th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 55th |
| Employee saving | 77th |
| Peers that auto-enroll | 62% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $59,043 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Cemex put in about $3,963 per active participant, more than the typical peer ($2,459). 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 | $34,904,959 |
| Participant (employee) contributions | $60,915,260 |
| Other contributions (incl. rollovers in) | $8,481,915 |
| Administrative expenses paid from the plan | $961,238 |
| Contract administrator fees | $6,000 |
| Investment advisory & management fees | $111,780 |
| Other admin expenses | $36,301 |
| Benefits paid out | $128,190,107 |
| Net assets, start / end of year | $858.2M / $942.3M |
| Active participants, start / end of year | 8,349 / 9,268 |
| Participants with account balances | 9,747 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Doeren Mayhew Assurance |
| Employer stock held by plan | $7,507,448 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $757,156 reported compensation |
| MPC Captial Advisors, LLC | $148,081 reported compensation |
| Fulbright & Jaworski | $31,396 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010132443NAL0004650771001, received 2025-10-10, EIN 72-0296500, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.