What is described herein is a synergistic matrix composite for making a stable microemulsion in water of an active ingredient comprising a first matrix composition including by wt. (a) 5-30% of a C8-C18 N-alkyl pyrrolidone, (b) optionally, 5-60% of a water insoluble organic solvent soluble therein, (c) 30-70% of a non-ionic emulsifier, and (d) 1-15% of an EO/PO/EO copolymer, and, (e) optionally, 1-5% of a surface active buffering agent, e.g. a branched alkyl ethoxylated phosphate ester, a second matrix composition comprising a polar polymeric material, e.g. polyethylene glycol, and/or a neutralized derivatized vegetable oil, e.g. maleated linseed oil, which composite is capable of loading a higher amount of said active than either composition alone.