Abstract: The specification discloses a fire retardant composition, a plastic based thereon, a process making for same and a building component based thereon wherein the fire retardant comprises chemicals which when added to the plastic resin composition will undergo fractional, endothermic reactions under the action of high temperatures. The most preferred chemicals disclosed in the specification, and their proportions relative to one another, comprise from about 2 to about 10% by weight of ammonium polyphosphate, from about 10 to about 50% by weight of monoammonium phosphate, from about 4 to about 12% by weight of anhydrous borax, from about 12 to about 40% by weight of borax, and from about 12 to about 40% by weight of a urea polymer, preferably melamine. Other additives may be included and are disclosed in the specification.