W.R. Grace & Co. 401(k) Review & Grade
W.R. Grace & Co. Savings & Investment Plan
Columbia, MDManufacturing2,501 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,274Employer $ per active participant
$14,454Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$813.4MNet plan assets, end of year
$199,465Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 82th |
| Employee saving | 95th |
| Peers that auto-enroll | 70% |
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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
- W.R. Grace & put in about $7,274 per active participant, more than the typical peer ($3,452). 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 | $18,191,325 |
| Participant (employee) contributions | $36,150,635 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $329,417 |
| Contract administrator fees | $2,100 |
| Benefits paid out | $91,193,810 |
| Net assets, start / end of year | $730.3M / $813.4M |
| Active participants, start / end of year | 2,494 / 2,508 |
| Participants with account balances | 4,078 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sc&h Attest Services, P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $103,821 reported compensation |
| Stout, Causey & Horn | $29,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008140719NAL0005963441001, received 2025-10-08, EIN 65-0773649, plan #123, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.