Celanese Americas LLC 401(k) Review & Grade
Celanese Americas Retirement Savings Plan
Irving, TXManufacturing2,998 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$12,506Employer $ per active participant
$11,949Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$992.8MNet plan assets, end of year
$238,431Average balance per account
Score breakdown
- Employer generosity48.9 / 5098th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1590th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 61th |
| Employee saving | 90th |
| 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
- Celanese Americas put in about $12,506 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.
- 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 | $37,487,161 |
| Participant (employee) contributions | $35,817,680 |
| Other contributions (incl. rollovers in) | $5,594,116 |
| Administrative expenses paid from the plan | $837,973 |
| Investment advisory & management fees | $434,803 |
| Other admin expenses | $112,815 |
| Benefits paid out | $115,928,038 |
| Net assets, start / end of year | $920.9M / $992.8M |
| Active participants, start / end of year | 3,067 / 2,928 |
| Participants with account balances | 4,164 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Whitley Penn LLP |
| Employer stock held by plan | $13,886,433 |
Largest service providers (Schedule C)
| Blackrock Institutional Trust Co | $570,148 reported compensation |
| Fid Inv Instl Ops Co LLC | $216,703 reported compensation |
| State Street Bank and Trust Company | $120,891 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250814094047NAL0011717824001, received 2025-08-14, EIN 22-1862783, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.