Cheniere Energy, Inc. 401(k) Review & Grade
Cheniere Retirement Plan
Houston, TXUtilities1,556 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$10,112Employer $ per active participant
$17,044Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$394.0MNet plan assets, end of year
$205,018Average balance per account
Score breakdown
- Employer generosity43.2 / 5086th percentile for employer $ per participant
- Low cost21.9 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving14.4 / 1596th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score90 / 100 · Grade A
This plan vs. peers
Peers: Utilities plans with 500–2,499 active participants (75 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 88th |
| Employee saving | 96th |
| Peers that auto-enroll | 76% |
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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
- Cheniere Energy put in about $10,112 per active participant, more than the typical peer ($6,264). 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 | $15,734,790 |
| Participant (employee) contributions | $26,521,080 |
| Other contributions (incl. rollovers in) | $5,640,657 |
| Administrative expenses paid from the plan | $179,095 |
| Other admin expenses | $56,998 |
| Benefits paid out | $32,551,380 |
| Net assets, start / end of year | $332.1M / $394.0M |
| Active participants, start / end of year | 1,489 / 1,623 |
| Participants with account balances | 1,922 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Calvetti Ferguson |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $75,019 reported compensation |
| Vanguard Group Inc. | $47,078 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730155805NAL0002515315001, received 2025-07-30, EIN 95-4352386, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.