Ito, Inc. DBA Kikka 401(k) Review & Grade
Ito, Inc. DBA Kikka 401k Plan
Inglewood, CAAccommodation & Food Services1,076 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,035Employer $ per active participant
$2,255Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$33.6MNet plan assets, end of year
$53,741Average balance per account
Score breakdown
- Employer generosity43.7 / 5087th percentile for employer $ per participant
- Low cost16.1 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving13.0 / 1587th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 64th |
| Employee saving | 87th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- Ito, Inc. DBA Kikka put in about $1,035 per active participant, more than the typical peer ($266). 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 | $1,112,993 |
| Participant (employee) contributions | $2,424,886 |
| Other contributions (incl. rollovers in) | $1,246 |
| Administrative expenses paid from the plan | $44,153 |
| Contract administrator fees | $31,703 |
| Other admin expenses | $450 |
| Benefits paid out | $1,622,298 |
| Net assets, start / end of year | $27.8M / $33.6M |
| Active participants, start / end of year | 1,078 / 1,073 |
| Participants with account balances | 625 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Randy Vegting CPA, MST, Accountancy |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $31,703 reported compensation |
| Randy Vegting, CPA | $12,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260811092829NAL0007467809001, received 2026-08-11, EIN 95-4051909, plan #001, plan year 2024-11-01 to 2025-10-31. Verify at efast.dol.gov.