Kawasaki Motors Corp., U.S.A. 401(k) Review & Grade
Kawasaki Motors Corp., U.S.A. 401(k) Profit Sharing Plan
Foothill Ranch, CAWholesale Trade656 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,407Employer $ per active participant
$11,070Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$167.8MNet plan assets, end of year
$203,685Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost17.6 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving14.4 / 1596th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 70th |
| Employee saving | 96th |
| Peers that auto-enroll | 53% |
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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
- Kawasaki Motors Corp., U.S.A. put in about $4,407 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 | $2,890,701 |
| Participant (employee) contributions | $7,262,164 |
| Other contributions (incl. rollovers in) | $2,446,513 |
| Administrative expenses paid from the plan | $183,260 |
| Contract administrator fees | $103,401 |
| Investment advisory & management fees | $79,859 |
| Benefits paid out | $10,392,313 |
| Net assets, start / end of year | $146.0M / $167.8M |
| Active participants, start / end of year | 677 / 635 |
| Participants with account balances | 824 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith+brown, PC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $103,401 reported compensation |
| Aon Investments USA Inc | $80,000 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924105605NAL0007453521001, received 2025-09-24, EIN 22-1824424, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.