Fluor Marine Propulsion, LLC 401(k) Review & Grade
Nnpp Contractor Savings Plan
West Mifflin, PAProfessional, Scientific & Technical Services8,292 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,311Employer $ per active participant
$12,951Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$2.5BNet plan assets, end of year
$233,761Average balance per account
Score breakdown
- Employer generosity35.0 / 5070th percentile for employer $ per participant
- Low cost21.2 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1574th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 85th |
| Employee saving | 74th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,485 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Fluor Marine Propulsion put in about $4,311 per active participant, more than the typical peer ($2,951). 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 | $35,745,901 |
| Participant (employee) contributions | $107,388,500 |
| Other contributions (incl. rollovers in) | $7,713,589 |
| Administrative expenses paid from the plan | $904,219 |
| Contract administrator fees | $3,000 |
| Investment advisory & management fees | $344,527 |
| Other admin expenses | $334,697 |
| Benefits paid out | $176,693,940 |
| Net assets, start / end of year | $2.2B / $2.5B |
| Active participants, start / end of year | 8,361 / 8,223 |
| Participants with account balances | 10,632 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Schneider Downs & Co., Inc. |
Largest service providers (Schedule C)
| Financial Engines | $344,527 reported compensation |
| Mercer Investments, LLC | $334,697 reported compensation |
| Fidelity Investments Institutional | $224,995 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251004164555NAL0002105265001, received 2025-10-04, EIN 84-4281125, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.