Exyte Americas Holding, Inc. 401(k) Review & Grade
Exyte Americas 401(k) Retirement Savings Plan
Richardson, TXProfessional, Scientific & Technical Services1,904 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,171Employer $ per active participant
$7,332Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$152.4MNet plan assets, end of year
$63,914Average balance per account
Score breakdown
- Employer generosity25.9 / 5052th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 59th |
| Employee saving | 37th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Exyte Americas Holding put in about $3,171 per active participant, more than the typical peer ($3,082). 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 | $6,035,124 |
| Participant (employee) contributions | $13,957,086 |
| Other contributions (incl. rollovers in) | $7,851,536 |
| Administrative expenses paid from the plan | $235,929 |
| Contract administrator fees | $300 |
| Other admin expenses | $82,370 |
| Benefits paid out | $14,593,930 |
| Net assets, start / end of year | $121.1M / $152.4M |
| Active participants, start / end of year | 1,889 / 1,918 |
| Participants with account balances | 2,385 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lane Gorman Trubitt, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $153,559 reported compensation |
| Wellspring Financial Partners, LLC | $82,370 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015210405NAL0007460672001, received 2025-10-15, EIN 74-2792091, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.