J.M. Huber Corporation 401(k) Review & Grade
J.M. Huber Coporation 401(k) Savings Plan
Atlanta, GAManufacturing2,311 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$11,187Employer $ per active participant
$9,597Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$692.4MNet plan assets, end of year
$222,494Average balance per account
Score breakdown
- Employer generosity48.9 / 5098th percentile for employer $ per participant
- Low cost18.8 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 75th |
| Employee saving | 88th |
| 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
- J.M. Huber put in about $11,187 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 | $25,852,078 |
| Participant (employee) contributions | $22,179,794 |
| Other contributions (incl. rollovers in) | $2,933,051 |
| Administrative expenses paid from the plan | $672,456 |
| Other admin expenses | $672,456 |
| Benefits paid out | $80,891,344 |
| Net assets, start / end of year | $713.6M / $692.4M |
| Active participants, start / end of year | 2,337 / 2,285 |
| Participants with account balances | 3,112 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eisner Amper, LLC |
Largest service providers (Schedule C)
| Voya Institutional Plan Services | $234,654 reported compensation |
| State Street Bank & Trust Company | $178,967 reported compensation |
| Towers Watson | $138,728 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015162608NAL0005121953001, received 2025-10-15, EIN 13-0860350, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.