Daicel America Holdings, Inc. 401(k) Review & Grade
Daicel America Holdings, 401(k) Plan
Torrance, CAManufacturing636 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,843Employer $ per active participant
$4,809Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$54.4MNet plan assets, end of year
$82,787Average balance per account
Score breakdown
- Employer generosity19.6 / 5039th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 87th |
| Employee saving | 48th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,598 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Daicel America Holdings put in about $1,843 per active participant, below the typical peer ($2,320). 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.
- 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,171,514 |
| Participant (employee) contributions | $3,056,050 |
| Other contributions (incl. rollovers in) | $256,597 |
| Administrative expenses paid from the plan | $28,543 |
| Investment advisory & management fees | $18,975 |
| Benefits paid out | $12,770,118 |
| Net assets, start / end of year | $55.7M / $54.4M |
| Active participants, start / end of year | 607 / 664 |
| Participants with account balances | 657 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $18,975 reported compensation |
| Fidelity Investments Institutional | $9,568 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922122316NAL0002130867001, received 2025-09-22, EIN 95-3908519, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.