International Specialty Products, Inc. 401(k) Review & Grade
International Specialty Products Inc. 401(k) Plan
Wilmington, DEManufacturing1,036 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,178Employer $ per active participant
$4,974Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$128.6MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity23.6 / 5047th percentile for employer $ per participant
- Low cost22.9 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 91th |
| Employee saving | 51th |
| Peers that auto-enroll | 59% |
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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
- International Specialty Products put in about $2,178 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $2,257,028 |
| Participant (employee) contributions | $5,155,940 |
| Other contributions (incl. rollovers in) | $20,755 |
| Administrative expenses paid from the plan | $43,871 |
| Investment advisory & management fees | $14,061 |
| Other admin expenses | $14,146 |
| Benefits paid out | $11,056,105 |
| Net assets, start / end of year | $115.2M / $128.6M |
| Active participants, start / end of year | 381 / 1,692 |
| Participants with account balances | 445 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Blue and Company, LLC |
Largest service providers (Schedule C)
| Fiducient Advisors | $13,299 reported compensation |
| Fidelity Investments Institutional | $9,447 reported compensation |
| Thompson Hine | $6,367 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008145538NAL0009652736001, received 2025-10-08, EIN 51-0376469, plan #013, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.