MSD International Gmbh (puerto Rico Branch) LLC 401(k) Review & Grade
MSD Puerto Rico Savings and Security Plan
Las Piedras, PRManufacturing510 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,084Employer $ per active participant
$10,922Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$231.6MNet plan assets, end of year
$207,343Average balance per account
Score breakdown
- Employer generosity37.9 / 5076th percentile for employer $ per participant
- Low cost24.9 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving13.8 / 1592th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 99th |
| Employee saving | 92th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- MSD International Gmbh (puerto Rico Branch) put in about $4,084 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 | $2,080,561 |
| Participant (employee) contributions | $5,564,826 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $5,650 |
| Benefits paid out | $25,236,442 |
| Net assets, start / end of year | $224.0M / $231.6M |
| Active participants, start / end of year | 542 / 477 |
| Participants with account balances | 1,117 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pricewaterhousecoopers LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $5,650 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922091600NAL0002070099001, received 2025-09-22, EIN 98-0658260, plan #061, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.