KDC US Holdings, Inc. 401(k) Review & Grade
KDC USA 401(k) Plan
Saddle Brook, NJManufacturing3,364 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,088Employer $ per active participant
$3,730Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$165.8MNet plan assets, end of year
$38,570Average balance per account
Score breakdown
- Employer generosity14.6 / 5029th percentile for employer $ per participant
- Low cost5.6 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 22th |
| Employee saving | 22th |
| Peers that auto-enroll | 70% |
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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
- KDC US Holdings put in about $2,088 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 (0.31% 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.
- 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 | $7,024,261 |
| Participant (employee) contributions | $12,548,843 |
| Other contributions (incl. rollovers in) | $886,445 |
| Administrative expenses paid from the plan | $472,098 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $81,005 |
| Benefits paid out | $18,010,373 |
| Net assets, start / end of year | $143.0M / $165.8M |
| Active participants, start / end of year | 3,071 / 3,658 |
| Participants with account balances | 4,298 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $391,093 reported compensation |
| Creative Planning LLC | $75,000 reported compensation |
| Strategic Advisors, Inc. | $6,005 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250812143714NAL0007307251001, received 2025-08-12, EIN 20-8080530, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.