The Chemours Company 401(k) Review & Grade
Chemours Company Retirement Savings Plan
Wilmington, DETransportation & Warehousing4,103 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,430Employer $ per active participant
$13,016Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$964.8MNet plan assets, end of year
$187,922Average balance per account
Score breakdown
- Employer generosity46.3 / 5093th percentile for employer $ per participant
- Low cost15.0 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 60th |
| Employee saving | 95th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $23,681 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Chemours put in about $8,430 per active participant, more than the typical peer ($1,834). 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 | $34,589,068 |
| Participant (employee) contributions | $53,406,256 |
| Other contributions (incl. rollovers in) | $3,343,189 |
| Administrative expenses paid from the plan | $839,337 |
| Investment advisory & management fees | $518,392 |
| Other admin expenses | $1,082 |
| Benefits paid out | $98,748,146 |
| Net assets, start / end of year | $870.2M / $964.8M |
| Active participants, start / end of year | 4,180 / 4,026 |
| Participants with account balances | 5,134 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Mercer Investment Management | $518,392 reported compensation |
| Merrill Lynch, Pierce, Fenner and S | $319,863 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015102514NAL0008731074001, received 2025-10-15, EIN 46-5626518, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.