Aptiv Corporation 401(k) Review & Grade
Aptiv Salaried 401(k) Plan
Troy, MIManufacturing2,290 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$10,824Employer $ per active participant
$17,788Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$1.6BNet plan assets, end of year
$266,560Average balance per account
Score breakdown
- Employer generosity48.6 / 5097th percentile for employer $ per participant
- Low cost23.1 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1599th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 92th |
| Employee saving | 99th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Aptiv put in about $10,824 per active participant, more than the typical peer ($2,320). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $24,787,672 |
| Participant (employee) contributions | $40,733,912 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $509,917 |
| Investment advisory & management fees | $151,043 |
| Benefits paid out | $205,825,335 |
| Net assets, start / end of year | $1.5B / $1.6B |
| Active participants, start / end of year | 2,207 / 2,373 |
| Participants with account balances | 5,993 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $237,341 reported compensation |
| Nepc, LLP | $151,043 reported compensation |
| Fidelity Management Trust Company | $107,240 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015155740NAL0002707907001, received 2025-10-15, EIN 27-0791190, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.