Zwilling J.a. Henckels, LLC 401(k) Review & Grade
Zwilling J.a. Henckels, LLC 401(k) Plan
Pleasantville, NYManufacturing535 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,018Employer $ per active participant
$2,412Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$22.1MNet plan assets, end of year
$82,573Average balance per account
Score breakdown
- Employer generosity8.6 / 5017th percentile for employer $ per participant
- Low cost12.2 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving2.4 / 1516th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 49th |
| Employee saving | 16th |
| Peers that auto-enroll | 59% |
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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
- Zwilling J.a. Henckels put in about $1,018 per active participant, below the typical peer ($2,320). 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.
- 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 | $544,875 |
| Participant (employee) contributions | $1,290,217 |
| Other contributions (incl. rollovers in) | $74,372 |
| Administrative expenses paid from the plan | $48,289 |
| Investment advisory & management fees | $7,898 |
| Benefits paid out | $1,336,209 |
| Net assets, start / end of year | $18.7M / $22.1M |
| Active participants, start / end of year | 522 / 548 |
| Participants with account balances | 268 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rodl Langford De Kock LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $40,391 reported compensation |
| Strategic Advisors, Inc. | $7,898 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014103049NAL0002630593001, received 2025-10-14, EIN 13-5553245, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.