401k Record

Employers › Rayonier Advanced Materials

Rayonier Advanced Materials 401(k)

Recordkeeping fees per participant · largest plan, Ryam 401(k) Plan for Salaried Employees · plan year 2024

$99.49

Higher than 73% of the 5,847 plans $50 to 250M that report it.

Source

= $59,993 / 603
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251013105219NAL0001747568001, received 2025-10-13
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251013105219NAL0001747568001, received 2025-10-13

10th: $10.22median $69.9190th: $151.08

Percentiles compare this plan with the Schedule H plans $50 to 250M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-10-13.

Largest plan, all six figures: Ryam 401(k) Plan for Salaried Employees

Recordkeeping fees per participantheadline

$99.49

10th: $10.22median $69.9190th: $151.08

Higher than 73% of the 5,847 plans $50 to 250M that report it.

Source

= $59,993 / 603
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251013105219NAL0001747568001, received 2025-10-13
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251013105219NAL0001747568001, received 2025-10-13

Administrative expenses excluding investment management, per participant

$256.52

10th: $16.21median $93.2090th: $246.84

Higher than 91% of the 8,758 plans $50 to 250M that report it.

Source

= $154,683 / 603
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251013105219NAL0001747568001, received 2025-10-13
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251013105219NAL0001747568001, received 2025-10-13

Administrative expenses per participant

$256.52

10th: $29.39median $132.8490th: $350.58

Higher than 81% of the 9,042 plans $50 to 250M that report it.

Source

= $154,683 / 603
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251013105219NAL0001747568001, received 2025-10-13
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251013105219NAL0001747568001, received 2025-10-13

Administrative expenses as a share of assets

0.125%

10th: 0.022%median 0.136%90th: 0.326%

Higher than 46% of the 9,049 plans $50 to 250M that report it.

Source

= $154,683 / $123,609,563
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251013105219NAL0001747568001, received 2025-10-13
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251013105219NAL0001747568001, received 2025-10-13

Employer contributions per participant

$2,724

10th: $965median $2,73890th: $8,164

Higher than 50% of the 9,105 plans $50 to 250M that report it.

Source

= $1,642,384 / 603
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251013105219NAL0001747568001, received 2025-10-13
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251013105219NAL0001747568001, received 2025-10-13

Employer share of total contributions

22.9%

10th: 15.6%median 29.5%90th: 50.6%

Higher than 28% of the 9,112 plans $50 to 250M that report it.

Source

= $1,642,384 / $7,170,571
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251013105219NAL0001747568001, received 2025-10-13
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251013105219NAL0001747568001, received 2025-10-13

Plan terms, as stated in Rayonier Advanced Materials Inc.'s SEC filings

Employer match

“The Company makes a matching contribution of 50% of the first 8% of each participant’s eligible compensation contributed to the Plan.”

Form 11-K filed 2026-06-29, for the year ended 2025-12-31 · plan description note, contributions · source document

Eligibility

“Salaried employees are eligible to participate in the Plan immediately.”

Form 11-K filed 2026-06-29, for the year ended 2025-12-31 · plan description note, general (fallback) · source document

Vesting

“Participants vest in the Company contributions and discretionary retirement contributions at a rate of 20% per year of service.”

Form 11-K filed 2026-06-29, for the year ended 2025-12-31 · plan description note, vesting · source document

Automatic enrollment

“Participants are automatically enrolled to contribute 6% of their salary on a before-tax basis to their retirement account through automatic payroll deductions.”

Form 11-K filed 2026-06-29, for the year ended 2025-12-31 · plan description note, general · source document

Terms quoted from the filing for the year ended 2025-12-31. Figures cover plan year 2024. The plan document governs.

Plans sponsored

PlanAssetsParticipants with a balanceHeadlineYear
Ryam 401(k) Plan for Salaried Employees$123,609,563603 $99.49 recordkeeping fees per participant2024
Ryam 401(k) Plan for Jesup Hourly Employees$70,118,810697 $66.67 recordkeeping fees per participant2024
Ryam 401(k) Plan for Fernandina Hourly Employees$22,858,886261 $78.79 recordkeeping fees per participant2024

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Sponsor name as filed: RAYONIER ADVANCED MATERIALS INC.; SEC registrant: RAYONIER ADVANCED MATERIALS INC. (CIK 1597672, matched by EIN).