Church & Dwight Co., Inc. 401(k) Review & Grade
Church & Dwight Co. , Inc. Savings and Profit Sharing Plan for Salaried Employees
Ewing, NJManufacturing2,012 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$16,576Employer $ per active participant
$12,446Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$975.8MNet plan assets, end of year
$347,503Average balance per account
Score breakdown
- Employer generosity49.8 / 50100th percentile for employer $ per participant
- Low cost22.8 / 2591th 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 score94 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 91th |
| Employee saving | 95th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $16,655 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Church & Dwight Co. put in about $16,576 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.
- 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 | $33,350,536 |
| Participant (employee) contributions | $25,042,326 |
| Other contributions (incl. rollovers in) | $6,273,577 |
| Administrative expenses paid from the plan | $333,567 |
| Other admin expenses | $333,567 |
| Benefits paid out | $69,787,823 |
| Net assets, start / end of year | $859.7M / $975.8M |
| Active participants, start / end of year | 1,995 / 2,029 |
| Participants with account balances | 2,808 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohn Reznick LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $179,594 reported compensation |
| Cohnreznick LLP | $73,500 reported compensation |
| Capfinancial Partners, LLC | $61,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250711150954NAL0006446785001, received 2025-07-11, EIN 13-4996950, plan #008, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.