Coty Inc. 401(k) Review & Grade
Coty Retirement Savings Plan
New York, NYManufacturing2,014 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,081Employer $ per active participant
$8,166Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$449.6MNet plan assets, end of year
$131,501Average balance per account
Score breakdown
- Employer generosity46.7 / 5093th percentile for employer $ per participant
- Low cost13.4 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 54th |
| Employee saving | 81th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $26,312 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Coty put in about $8,081 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 | $16,270,253 |
| Participant (employee) contributions | $16,442,569 |
| Other contributions (incl. rollovers in) | $2,482,769 |
| Administrative expenses paid from the plan | $866,323 |
| Investment advisory & management fees | $778,066 |
| Benefits paid out | $35,502,884 |
| Net assets, start / end of year | $400.2M / $449.6M |
| Active participants, start / end of year | 2,018 / 2,009 |
| Participants with account balances | 3,419 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sacco CPA PLLC |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $655,156 reported compensation |
| Dynamic Wealth Advisors | $14,197 reported compensation |
| Charles Schwab & Co, Inc. | $1,434 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014163131NAL0001653219002, received 2025-10-14, EIN 13-3823358, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.