Kubota Tractor Corp. 401(k) Review & Grade
Kubota Tractor 401(k) Plan
Grapevine, TXWholesale Trade1,419 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,643Employer $ per active participant
$6,944Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$164.4MNet plan assets, end of year
$90,233Average balance per account
Score breakdown
- Employer generosity45.6 / 5091th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default 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 | 91th |
| Lower admin cost | 98th |
| Employee saving | 79th |
| 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
- Kubota Tractor put in about $5,643 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.
- 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 | $8,007,650 |
| Participant (employee) contributions | $9,853,805 |
| Other contributions (incl. rollovers in) | $1,017,325 |
| Administrative expenses paid from the plan | $11,000 |
| Other admin expenses | $266,253 |
| Benefits paid out | $11,269,402 |
| Net assets, start / end of year | $135.2M / $164.4M |
| Active participants, start / end of year | 1,348 / 1,490 |
| Participants with account balances | 1,822 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, PC |
Largest service providers (Schedule C)
| Capitalresearchconsultingllc | $202,699 reported compensation |
| Bdo USA, LLP | $29,007 reported compensation |
| Fidelity Investments Institutional | −$220,707 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250819112851NAL0001123043001, received 2025-08-19, EIN 95-2801513, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.