Skip to content
Grade My 401(k)
Built by Basic Capital
1 issue

Merck & Co., Inc.

22-1918501· Rahway, NJ· Fidelity· 2025 filing· vs 15 plans your size
B
0/100
Overall grade

Solid plan with a few things to improve.

A
Fees
A
Financial Wellness
F
Plan design
B
Compliance
Fees

Your plan pays under 1 bp of assets per year. Similar plans pay around 9 bps. Your plan is cheaper than about 100% of similar plans.

A
cheaper0th percentilepricier
Financial Wellness

Strong savings. Employees put away $22,291/employee a year. That's more than 99% of similar plans.

A
lower99th percentilehigher
Plan design

Good base, but no automatic enrollment. That's the top thing to add.

F
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
No automatic enrollment
Employees have to opt in themselves. Auto-enrollment is the easiest way to lift participation, and most newly started plans are now required to include it.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health

1 item to review, nothing critical.

B
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
Compare

How does Merck & Co., Inc. stack up against another company?

Search a competitor to see the two report cards side by side.

Prefer to use your EIN?

Recordkeeper
Fidelity

No provider notes available.

Key insights

  • Strongest area: fees. Your plan pays under 1 bp of assets per year. Similar plans pay around 9 bps. Your plan is cheaper than about 100% of similar plans.
  • Best place to improve: plan design. Good base, but no automatic enrollment. That's the top thing to add.
Ask about your plan
Grounded in your Form 5500 data
Live

Try asking:

Shift+Enter for new line · Enter to send