Dupont De Nemours, Inc. 401(k) Review & Grade
Dupont Retirement Savings Plan
Wilmington, DEManufacturing9,180 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$9,704Employer $ per active participant
$11,759Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$3.4BNet plan assets, end of year
$258,631Average balance per account
Score breakdown
- Employer generosity47.2 / 5094th percentile for employer $ per participant
- Low cost23.4 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving13.4 / 1589th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-20 pts2 issues reported on the filing
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 94th |
| Employee saving | 89th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($81,895 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Prohibited transactions: the plan reported non-exempt transactions with a party in interest.
What to do if you're in this plan
- Dupont De Nemours put in about $9,704 per active participant, more than the typical peer ($3,452). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $89,090,685 |
| Participant (employee) contributions | $107,950,860 |
| Other contributions (incl. rollovers in) | $11,206,090 |
| Administrative expenses paid from the plan | $711,838 |
| Contract administrator fees | $2,680 |
| Benefits paid out | $423,012,635 |
| Net assets, start / end of year | $3.2B / $3.4B |
| Active participants, start / end of year | 9,391 / 8,970 |
| Participants with account balances | 13,186 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pricewaterhousecoopers |
| Employer stock held by plan | $37,881,971 |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner & S | $738,054 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001103706NAL0017684851001, received 2025-10-01, EIN 81-1224539, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.