Kimberly-Clark Corporation 401(k) Review & Grade
Kimberly-Clark Corporation 401(k) & Profit Sharing Plan
Neenah, WIManufacturing11,467 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$11,475Employer $ per active participant
$12,290Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$5.0BNet plan assets, end of year
$293,391Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost20.8 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 10,000+ active participants (151 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 83th |
| Employee saving | 72th |
| Peers that auto-enroll | 69% |
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
- Kimberly-Clark put in about $11,475 per active participant, more than the typical peer ($5,480). 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 | $131,588,000 |
| Participant (employee) contributions | $140,931,000 |
| Other contributions (incl. rollovers in) | $16,088,000 |
| Administrative expenses paid from the plan | $1,455,000 |
| Investment advisory & management fees | $1,129,000 |
| Other admin expenses | $74,000 |
| Benefits paid out | $518,365,000 |
| Net assets, start / end of year | $4.5B / $5.0B |
| Active participants, start / end of year | 11,661 / 11,273 |
| Participants with account balances | 16,993 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
| Employer stock held by plan | $162,609,000 |
Largest service providers (Schedule C)
| Strategic Advisors | $2,283,850 reported compensation |
| Blackrock Institutional Trust Co,na | $1,008,228 reported compensation |
| Fid Inv Inst Ops Co | $242,276 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007083457NAL0007544208001, received 2025-10-07, EIN 39-0394230, plan #016, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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