Buzzi Unicem USA Inc. 401(k) Review & Grade
Buzzi Unicem USA Inc. Retirement Savings Plan for Salaried Employees
Bethlehem, PAManufacturing679 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,404Employer $ per active participant
$7,848Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$124.9MNet plan assets, end of year
$145,969Average balance per account
Score breakdown
- Employer generosity42.6 / 5085th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 79th |
| Employee saving | 79th |
| 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
- Buzzi Unicem USA put in about $5,404 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 | $3,669,456 |
| Participant (employee) contributions | $5,328,613 |
| Other contributions (incl. rollovers in) | $1,255,036 |
| Administrative expenses paid from the plan | $99,207 |
| Investment advisory & management fees | $99,207 |
| Benefits paid out | $18,473,662 |
| Net assets, start / end of year | $117.8M / $124.9M |
| Active participants, start / end of year | 678 / 680 |
| Participants with account balances | 856 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $99,207 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009145243NAL0006757361002, received 2025-10-09, EIN 23-3022369, plan #030, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.