Bridgestone Americas, Inc. 401(k) Review & Grade
Bridgestone Americas, Inc. Incentive Savings Plan
Nashville, TNManufacturing17,163 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,069Employer $ per active participant
$2,988Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$657.3MNet plan assets, end of year
$21,853Average balance per account
Score breakdown
- Employer generosity4.7 / 509th percentile for employer $ per participant
- Low cost3.3 / 2513th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score19 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 10,000+ active participants (151 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 13th |
| Employee saving | 8th |
| Peers that auto-enroll | 69% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Bridgestone Americas put in about $1,069 per active participant, below the typical peer ($5,480). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.24% of assets) are well above similar-size plans (0.09%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $18,343,221 |
| Participant (employee) contributions | $51,277,994 |
| Other contributions (incl. rollovers in) | $1,476,281 |
| Administrative expenses paid from the plan | $1,493,522 |
| Investment advisory & management fees | $139,483 |
| Other admin expenses | $27,373 |
| Benefits paid out | $72,553,648 |
| Net assets, start / end of year | $585.7M / $657.3M |
| Active participants, start / end of year | 17,463 / 16,863 |
| Participants with account balances | 30,077 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Fidelity Investments Inst Ops Co | $1,306,716 reported compensation |
| Strategic Advisors Inc | $139,483 reported compensation |
| Prisma Nashville LLC | $24,092 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015134724NAL0002516163001, received 2025-10-15, EIN 88-0335067, plan #017, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.