Sappi North America 401(k) match, vesting and fees
What Sappi North America's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | The Vanguard Group, Inc. | Schedule C ↗ |
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 434 defined-contribution plans in manufacturing with 1,000 to 4,999 participants.
| Sappi North America: employer contribution per participant | $3,260 | |
| Peer median | $2,591 |
| Sappi North America: average balance | $194,244 | |
| Peer median | $102,504 |
| Sappi North America: admin expenses ÷ assets | 0.05% | |
| Peer median | 0.11% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $299M at the end of plan year 2021 to $306M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 1,589 | $306M | $5.1M | $3,260 | 0.05% | Not published | Form 5500 ↗ |
| 2024 | 1,577 | $282M | $3.9M | $2,498 | 0.05% | Not published | Form 5500 ↗ |
| 2023 | 1,578 | $264M | $3.5M | $2,233 | 0.06% | Not published | Form 5500 ↗ |
| 2022 | 1,588 | $243M | $3.2M | $2,032 | 0.06% | Not published | Form 5500 ↗ |
| 2021 | 1,571 | $299M | $3M | $1,949 | 0.04% | Not published | Form 5500 ↗ |
Other Sappi North America plans (5)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Sappi North America, Inc. Salaried Investment Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | The Vanguard Group, Inc. | Schedule C ↗ |
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Sappi North America, Inc. Retirement Plan for Hourly Employees
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Sappi North America, Inc. Central Mills Employees' Retirement Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Sappi North America, Inc. Retirement Plan for Salaried Employees
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Sappi North America, Inc. Cumberland Mills Hourly Employees' Retirement Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Sappi North America match 401(k) contributions?
The match terms for the Sappi North America, Inc. Hourly Investment Plan have not been published from its filing yet. The plan year 2025 filing reports $5.1M in employer contributions, about $3,260 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Sappi North America 401(k) match vested?
The vesting schedule for the Sappi North America, Inc. Hourly Investment Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Sappi North America 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is The Vanguard Group, Inc.. The plan administrator is Sappi North America, Inc..
I left Sappi North America. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Sappi North America, Inc., (617) 423-7300) or the recordkeeper, The Vanguard Group, Inc.. The Sappi North America old 401(k) page lists the contacts from every plan filing. Find an old Sappi North America 401(k)
Data from the public Form 5500 annual reports Sappi North America filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Sappi North America. Not financial advice. Report a correction · Methodology