Tetra Technologies, Inc. 401(k) Review & Grade
Tetra Technologies, Inc. 401(k) Retirement Plan
The Woodlands, TXMining, Oil & Gas1,436 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,909Employer $ per active participant
$4,939Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$99.7MNet plan assets, end of year
$53,940Average balance per account
Score breakdown
- Employer generosity8.6 / 5017th percentile for employer $ per participant
- Low cost24.9 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 100th |
| Employee saving | 26th |
| Peers that auto-enroll | 60% |
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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
- Tetra Technologies put in about $1,909 per active participant, below the typical peer ($4,357). 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 | $2,740,947 |
| Participant (employee) contributions | $7,092,744 |
| Other contributions (incl. rollovers in) | $517,636 |
| Administrative expenses paid from the plan | $1,942 |
| Benefits paid out | $14,350,151 |
| Net assets, start / end of year | $92.0M / $99.7M |
| Active participants, start / end of year | 1,440 / 1,432 |
| Participants with account balances | 1,849 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Weaver and Tidwell, L.L.P. |
| Employer stock held by plan | $2,221,968 |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $11,388 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250813104421NAL0025325138001, received 2025-08-13, EIN 74-2148293, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.