Sappi North America 401(k) and pension plans

Sappi North America, Inc., Boston, MA. EIN 23-2366983. Annual reports 2009–2025. Also filed as Sappi Fine Paper of North America; S.D. Warren Company.

Sappi North America, Inc. has 6 active retirement plans on file. The largest is the Sappi North America, Inc. Hourly Investment Plan, with 1,589 participants and $306 million in assets in 2025. Vanguard has been its recordkeeper since 2009.

Active plans: 6
Participants: 5,313
Plan assets: $983 million
401(k) recordkeeper: Vanguard
Plans on file: 6
Industry: Manufacturing

All 6 plans

Active plans first

Sappi North America, Inc. Hourly Investment Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 006Employer EIN 23-2366983
Participants (2025): 1,589
Net assets (2025): $306 million
Recordkeeper: Vanguard2009–2025
Plan administrator: Sappi North America, Inc.
255 State Street, 4TH Floor
Boston, MA 02109
(617) 423-7300As filed for 2025
In effect since: January 1, 1995

Earlier sponsor: Sappi Fine Paper of North America (2009–2017).

Earlier plan names: Sappi Fine Paper North America Hourly Investment Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	1,589	$306 million	Vanguard
2024	1,577	$282 million	Vanguard
2023	1,578	$264 million	Vanguard
2022	1,588	$243 million	Vanguard
2021	1,571	$299 million	Vanguard
2020	1,550	$284 million	Vanguard
2019	1,544	$257 million	Vanguard
2018	1,537	$231 million	Vanguard
2017	1,550	$255 million	Vanguard
2016	1,506	$235 million	Vanguard
2015	1,493	$226 million	Vanguard
2014	1,661	$236 million	Vanguard
2013	1,543	$230 million	Vanguard
2012	1,653	$206 million	Vanguard
2011	1,651	$192 million	Vanguard
2010	1,709	$193 million	Vanguard
2009	1,884	$179 million	Vanguard

Sappi North America, Inc. Salaried Investment Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 005Employer EIN 23-2366983
Participants (2025): 1,060
Net assets (2025): $405 million
Recordkeeper: Vanguard2009–2025
Plan administrator: Sappi North America, Inc.
255 State Street, 4TH Floor
Boston, MA 02109
(617) 423-7300As filed for 2025
In effect since: January 1, 1995

Earlier sponsor: Sappi Fine Paper of North America (2009–2017).

Earlier plan names: Sappi Fine Paper North America Salaried Investment Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	1,060	$405 million	Vanguard
2024	1,067	$377 million	Vanguard
2023	1,097	$348 million	Vanguard
2022	1,073	$305 million	Vanguard
2021	1,043	$374 million	Vanguard
2020	989	$336 million	Vanguard
2019	1,011	$302 million	Vanguard
2018	1,018	$255 million	Vanguard
2017	1,032	$273 million	Vanguard
2016	1,041	$242 million	Vanguard
2015	1,043	$228 million	Vanguard
2014	1,078	$231 million	Vanguard
2013	1,089	$225 million	Vanguard
2012	1,091	$194 million	Vanguard
2011	1,096	$174 million	Vanguard
2010	1,136	$172 million	Vanguard
2009	1,221	$154 million	Vanguard

Sappi North America, Inc. Retirement Plan for Hourly Employees

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 004Employer EIN 23-2366983
Participants (2024): 871
Net assets (2024): $71.6 million
Last listed administrator: Vanguard2012–2015
Plan administrator: Sappi North America, Inc.
255 State Street
Boston, MA 02109
(617) 423-7300As filed for 2024
In effect since: October 31, 1994

Earlier sponsor: S.D. Warren Company (2009–2017).

Earlier plan names: Sappi Fine Paper North America Retirement Plan for Hourly Employees.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	871	$71.6 million	not listed
2023	821	$72.5 million	not listed
2022	783	$67.2 million	not listed
2021	1,732	$84.9 million	not listed
2020	1,786	$213 million	not listed
2019	1,691	$184 million	not listed
2018	1,672	$155 million	not listed
2017	1,693	$173 million	not listed
2016	1,633	$150 million	not listed
2015	1,671	$143 million	Vanguard
2014	1,672	$147 million	Vanguard
2013	1,654	$128 million	Vanguard
2012	1,663	$121 million	Vanguard
2011	1,674	$105 million	not listed
2010	1,661	$100 million	not listed
2009	1,652	$91.1 million	not listed

Sappi North America, Inc. Central Mills Employees' Retirement Plan

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 036Employer EIN 23-2366983
Participants (2024): 855
Net assets (2024): $73.1 million
Last listed administrator: Vanguard2012–2015
Plan administrator: Sappi North America, Inc.
255 State Street
Boston, MA 02109
(617) 423-7300As filed for 2024
In effect since: October 31, 1994

Earlier sponsor: S.D. Warren Company (2009–2017).

Earlier plan names: Sappi Fine Paper North America Central Mills Employees' Retirement Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	855	$73.1 million	not listed
2023	818	$73.4 million	not listed
2022	773	$67.4 million	not listed
2021	1,539	$84.6 million	not listed
2020	1,507	$185 million	not listed
2019	1,473	$160 million	not listed
2018	1,465	$135 million	not listed
2017	1,462	$149 million	not listed
2016	1,436	$129 million	not listed
2015	1,611	$126 million	Vanguard
2014	1,600	$129 million	Vanguard
2013	1,577	$114 million	Vanguard
2012	1,552	$109 million	Vanguard
2011	1,551	$95.8 million	not listed
2010	1,550	$88.6 million	not listed
2009	1,536	$76.9 million	not listed

Sappi North America, Inc. Retirement Plan for Salaried Employees

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 037Employer EIN 23-2366983
Participants (2024): 603
Net assets (2024): $85.4 million
Last listed administrator: Vanguard2012–2015
Plan administrator: Sappi North America, Inc.
255 State Street
Boston, MA 02109
(617) 423-7300As filed for 2024
In effect since: October 31, 1994

Earlier sponsor: S.D. Warren Company (2009–2017).

Earlier plan names: Sappi Fine Paper North America Retirement Plan for Salaried Employees.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	603	$85.4 million	not listed
2023	587	$85.3 million	not listed
2022	572	$78.9 million	not listed
2021	1,711	$97.7 million	not listed
2020	1,763	$343 million	not listed
2019	1,731	$304 million	not listed
2018	1,734	$265 million	not listed
2017	1,729	$300 million	not listed
2016	1,753	$269 million	not listed
2015	2,063	$281 million	Vanguard
2014	2,070	$300 million	Vanguard
2013	2,081	$274 million	Vanguard
2012	2,052	$269 million	Vanguard
2011	2,085	$243 million	not listed
2010	2,086	$230 million	not listed
2009	2,094	$201 million	not listed

Sappi North America, Inc. Cumberland Mills Hourly Employees' Retirement Plan

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 035Employer EIN 23-2366983
Participants (2024): 335
Net assets (2024): $41.1 million
Last listed administrator: Vanguard2012–2015
Plan administrator: Sappi North America, Inc.
255 State Street
Boston, MA 02109
(617) 423-7300As filed for 2024
In effect since: October 31, 1994

Earlier sponsor: S.D. Warren Company (2009–2017).

Earlier plan names: Sappi Fine Paper North America Cumberland Mills Hourly Employees' Retirement Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	335	$41.1 million	not listed
2023	321	$41.6 million	not listed
2022	302	$38.6 million	not listed
2021	958	$48.7 million	not listed
2020	975	$131 million	not listed
2019	973	$114 million	not listed
2018	975	$95.9 million	not listed
2017	991	$109 million	not listed
2016	971	$95.4 million	not listed
2015	1,083	$94.4 million	Vanguard
2014	1,077	$98.6 million	Vanguard
2013	1,069	$87.3 million	Vanguard
2012	1,064	$83.4 million	Vanguard
2011	1,081	$73.1 million	not listed
2010	1,075	$67.0 million	not listed
2009	1,065	$57.8 million	not listed

If you had money in one of these plans

Call Vanguard (investor.vanguard.com), which runs the Sappi North America, Inc. Hourly Investment Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((617) 423-7300). That number was filed for 2025; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 6 plans

Sappi North America, Inc. Hourly Investment Plan

Sappi North America, Inc. Salaried Investment Plan

Sappi North America, Inc. Retirement Plan for Hourly Employees

Sappi North America, Inc. Central Mills Employees' Retirement Plan

Sappi North America, Inc. Retirement Plan for Salaried Employees

Sappi North America, Inc. Cumberland Mills Hourly Employees' Retirement Plan

If you had money in one of these plans

What these numbers are

Other manufacturing employers in MA