Hitachi Solutions America, LTD. 401(k) Review & Grade
Hitachi Solutions America, LTD. 401(k) Plan
Irvine, CAProfessional, Scientific & Technical Services634 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,880Employer $ per active participant
$15,137Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$120.3MNet plan assets, end of year
$154,080Average balance per account
Score breakdown
- Employer generosity44.1 / 5088th percentile for employer $ per participant
- Low cost15.9 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 88th |
| Lower admin cost | 64th |
| Employee saving | 88th |
| Peers that auto-enroll | 48% |
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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
- Hitachi Solutions America put in about $8,880 per active participant, more than the typical peer ($3,082). 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.
- 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 | $5,625,393 |
| Participant (employee) contributions | $9,589,230 |
| Other contributions (incl. rollovers in) | $674,083 |
| Administrative expenses paid from the plan | $168,784 |
| Investment advisory & management fees | $80,494 |
| Benefits paid out | $18,539,924 |
| Net assets, start / end of year | $108.6M / $120.3M |
| Active participants, start / end of year | 703 / 564 |
| Participants with account balances | 781 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | BPM LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $80,494 reported compensation |
| Associates in Excellence DBA Cetera | $64,649 reported compensation |
| BPM LLP | $17,655 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930154450NAL0012486929001, received 2025-09-30, EIN 94-3127998, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.