Kawasaki Motors Manufacturing Corp., U.S.A. 401(k) Review & Grade
Kawasaki Motors Manufacturing Corp., U.S.A. 401(k) Savings Plan
Lincoln, NEManufacturing3,328 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,110Employer $ per active participant
$5,015Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$267.5MNet plan assets, end of year
$74,795Average balance per account
Score breakdown
- Employer generosity15.0 / 5030th percentile for employer $ per participant
- Low cost9.4 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 38th |
| Employee saving | 37th |
| Peers that auto-enroll | 70% |
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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 ($97,974 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $152 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Kawasaki Motors Manufacturing Corp., U.S.A. put in about $2,110 per active participant, below the typical peer ($3,452). 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.
- Direct plan expenses (0.18% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $7,022,087 |
| Participant (employee) contributions | $16,689,627 |
| Other contributions (incl. rollovers in) | $1,210,623 |
| Administrative expenses paid from the plan | $458,251 |
| Contract administrator fees | $378,356 |
| Investment advisory & management fees | $79,895 |
| Benefits paid out | $20,320,389 |
| Net assets, start / end of year | $231.7M / $267.5M |
| Active participants, start / end of year | 3,394 / 3,262 |
| Participants with account balances | 3,577 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $378,356 reported compensation |
| Aon Investments USA Inc | $79,895 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917123003NAL0000453152001, received 2025-09-17, EIN 47-0640533, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.