Kintetsu World Express (U.S.A.), Inc. 401(k) Review & Grade
Kintetsu World Express (U.S.A.), Inc. Employees 401(k) Plan
Jericho, NYTransportation & Warehousing956 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,111Employer $ per active participant
$7,295Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$166.0MNet plan assets, end of year
$150,394Average balance per account
Score breakdown
- Employer generosity45.3 / 5091th percentile for employer $ per participant
- Low cost15.7 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 63th |
| Employee saving | 88th |
| Peers that auto-enroll | 37% |
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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
- Kintetsu World Express (U.S.A.) put in about $4,111 per active participant, more than the typical peer ($1,070). 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 | $3,932,493 |
| Participant (employee) contributions | $6,977,305 |
| Other contributions (incl. rollovers in) | $475,370 |
| Administrative expenses paid from the plan | $233,192 |
| Other admin expenses | $225,812 |
| Benefits paid out | $7,151,350 |
| Net assets, start / end of year | $139.3M / $166.0M |
| Active participants, start / end of year | 972 / 941 |
| Participants with account balances | 1,104 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Osaic Wealth Inc | $225,812 reported compensation |
| Caron & Bletzer, PLLC | $7,380 reported compensation |
| Empower Life & Annuity Insurance | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926125517NAL0013799122001, received 2025-09-26, EIN 94-1693161, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.