Kraton Corporation 401(k) Review & Grade
Kraton Savings Plan
The Woodlands, TXManufacturing1,197 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$9,423Employer $ per active participant
$11,695Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$362.9MNet plan assets, end of year
$232,485Average balance per account
Score breakdown
- Employer generosity47.8 / 5096th percentile for employer $ per participant
- Low cost23.1 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving14.0 / 1594th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 92th |
| Employee saving | 94th |
| 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
- Kraton put in about $9,423 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 | $11,279,151 |
| Participant (employee) contributions | $13,998,838 |
| Other contributions (incl. rollovers in) | $1,434,281 |
| Administrative expenses paid from the plan | $108,190 |
| Investment advisory & management fees | $122,944 |
| Benefits paid out | $27,519,913 |
| Net assets, start / end of year | $318.2M / $362.9M |
| Active participants, start / end of year | 1,198 / 1,196 |
| Participants with account balances | 1,561 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Melton & Melton,l.l.p. |
Largest service providers (Schedule C)
| Oxford Financial Group | $65,000 reported compensation |
| Strategic Advisors, Inc. | $57,944 reported compensation |
| Fidelity Investments Institutional | −$14,481 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008102934NAL0005697761001, received 2025-10-08, EIN 26-3739386, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.