Jfe Shoji America Holdings, Inc. 401(k) Review & Grade
Jfe Group 401(k) Plan
Long Beach, CAWholesale Trade568 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,006Employer $ per active participant
$6,870Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$69.9MNet plan assets, end of year
$69,394Average balance per account
Score breakdown
- Employer generosity37.0 / 5074th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 56th |
| Employee saving | 78th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $173 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Jfe Shoji America Holdings put in about $3,006 per active participant, more than the typical peer ($1,792). 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 | $1,705,804 |
| Participant (employee) contributions | $3,898,825 |
| Other contributions (incl. rollovers in) | $274,572 |
| Administrative expenses paid from the plan | $132,187 |
| Investment advisory & management fees | $277 |
| Other admin expenses | $82,870 |
| Benefits paid out | $8,916,728 |
| Net assets, start / end of year | $0 / $69.9M |
| Active participants, start / end of year | 130 / 1,005 |
| Participants with account balances | 1,008 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | CDH CPA, PLLC |
Largest service providers (Schedule C)
| Morgan Stanley Smith Barney LLC | $82,870 reported compensation |
| Fidelity Investments Institutional | $45,341 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260901171550NAL0009211425001, received 2026-09-01, EIN 84-2757527, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.