Employer · plans filed under one EIN
Sappi North America, Inc.
Boston, MA · Manufacturing
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances.
6 retirement plans with 100 or more participants file Form 5500 under Sappi North America, Inc.'s employer identification number (Boston, Massachusetts). Their latest filings total 5,313 participant records and $983M in net assets.
The largest is Sappi North America, Inc. Hourly Investment Plan, a 401(k) plan with 1,589 participants. A person can be counted in more than one plan, so the participant total is a count of records rather than of people.
Employer contributions across the plans were $11.3M and participant contributions $24.6M in the latest plan years; benefits paid were $84.9M. Schedule C compensation reported to service provider organisations totalled $897K.
Combined net assets moved from $759M in 2009 to $712M in 2025 (down 6%). Plan mergers and spin-offs show up here as steps in the series.
Plans
| Plan | Kind | Plan year | Participants | Net assets | Per participant | Employer / active | Sch. C compensation |
|---|---|---|---|---|---|---|---|
| Sappi North America, Inc. Hourly Investment Plan | 401(k) plan | 2025 | 1,589 | $306M | $192,777 | $4,070 | $160K |
| Sappi North America, Inc. Salaried Investment Plan | 401(k) plan | 2025 | 1,060 | $405M | $382,462 | $8,401 | $115K |
| Sappi North America, Inc. Retirement Plan for Hourly Employees | defined benefit pension plan | 2024 | 871 | $71.6M | $82,219 | $0 | $53K |
| Sappi North America, Inc. Central Mills Employees' Retirement Plan | defined benefit pension plan | 2024 | 855 | $73.1M | $85,447 | $0 | $77K |
| Sappi North America, Inc. Retirement Plan for Salaried Employees | defined benefit pension plan | 2024 | 603 | $85.4M | $141,570 | — | $453K |
| Sappi North America, Inc. Cumberland Mills Hourly Employees' Retirement Plan | defined benefit pension plan | 2024 | 335 | $41.1M | $122,671 | $0 | $39K |
| US median, plan year 2024: DC plans $53,102 per participant, $2,175 employer contribution per active participant; DB plans $86,221 and $10,244. | |||||||
Trend by plan year
| Plan year | Plans | Participant records | Net assets | Employer contributions | Participant contributions |
|---|---|---|---|---|---|
| 2025 | 2 | 2,649 | $712M | $11.3M | $24.6M |
| 2024 | 6 | 5,308 | $930M | $10.0M | $22.8M |
| 2023 | 6 | 5,222 | $885M | $9.3M | $21.3M |
| 2022 | 6 | 5,091 | $800M | $8.8M | $21.0M |
| 2021 | 6 | 8,554 | $989M | $8.4M | $20.2M |
| 2020 | 6 | 8,570 | $1.49B | $13.6M | $19.6M |
| 2019 | 6 | 8,423 | $1.32B | $14.2M | $19.7M |
| 2018 | 6 | 8,401 | $1.14B | $16.9M | $19.0M |
| 2017 | 6 | 8,457 | $1.26B | $22.9M | $17.6M |
| 2016 | 6 | 8,340 | $1.12B | $21.7M | $16.5M |
| 2015 | 6 | 8,964 | $1.10B | $25.6M | $16.0M |
| 2014 | 6 | 9,158 | $1.14B | $29.0M | $16.4M |
| 2013 | 6 | 9,013 | $1.06B | $27.6M | $15.9M |
| 2012 | 6 | 9,075 | $983M | $27.2M | $15.4M |
| 2011 | 6 | 9,138 | $882M | $16.6M | $15.2M |
| 2010 | 6 | 9,217 | $850M | $23.6M | $14.9M |
| 2009 | 6 | 9,452 | $759M | $25.3M | $14.6M |
History of the plans listed above, in the years each filed the full Form 5500 with 100 or more participants. Plans that have since terminated are not included.
Service providers
| Organisation | Services reported | Plans | Compensation reported |
|---|---|---|---|
| The Vanguard Group, Inc. | Trustee (directed); Participant loan processing; Participant communication; Recordkeeping and information management | 2 | $197,779 |
| New England Pension Consultants | Consulting (pension) | 1 | $104,885 |
| Aon Consulting, Inc. | Actuarial | 4 | $100,652 |
| Income Research & Management | Investment management | 1 | $95,953 |
| Wellington Management | Investment management | 1 | $80,382 |
| Nepc LLC | Consulting (general) | 2 | $77,154 |
| Principal Trust Company | Trustee (bank, trust company, or similar financial institution) | 3 | $73,768 |
| Caron & Bletzer, PLLC | Accounting (including auditing) | 4 | $73,600 |
| Mellon Capital | Investment management | 1 | $32,433 |
| Silchester International Investors | Investment management | 1 | $29,423 |
| Loomis Sayles Trust Company | Investment management | 1 | $17,430 |
| Faegre Drinker Biddle & Reath LLP | Legal | 1 | $7,948 |
| State Street Global Advisors | Investment advisory (plan) | 1 | $5,277 |
Organisations paid $5,000 or more by any of these plans, from Schedule C. Individuals are not shown.
Questions and answers
How many retirement plans does Sappi North America, Inc. have?
6 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: Sappi North America, Inc. Hourly Investment Plan, Sappi North America, Inc. Salaried Investment Plan, Sappi North America, Inc. Retirement Plan for Hourly Employees and Sappi North America, Inc. Central Mills Employees' Retirement Plan and others. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does Sappi North America, Inc. contribute to its plans?
$11,349,182 in employer contributions across these plans in their latest plan years, about $3,219 per active participant record. Form 5500 reports totals and not the match or accrual formula.
Who provides services to these plans?
Schedule C filings name The Vanguard Group, Inc., New England Pension Consultants, Aon Consulting, Inc. and Income Research & Management and others. Only organisations paid $5,000 or more by a plan are listed on Schedule C.
Where does this come from?
Form 5500 annual reports filed with the Department of Labor's EFAST2 system, from the EBSA research files, with filings received through 24 Aug 2026. Figures are as filed and may be amended.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Plans are grouped by the sponsor's employer identification number exactly as filed; a company that files under several EINs appears as several employers. See the methodology and corrections.