Motherson Yachiyo Automotive Tech Products of America, Inc. 401(k) Review & Grade
Yachiyo 401(k) Retirement Plan
Columbus, OHManufacturing776 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,606Employer $ per active participant
$4,032Employee $ saved per active participant
0.56%Direct admin cost, % of plan assets
$33.2MNet plan assets, end of year
$30,713Average balance per account
Score breakdown
- Employer generosity16.6 / 5033th percentile for employer $ per participant
- Low cost4.9 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving5.6 / 1537th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 19th |
| Employee saving | 37th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($95,991 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Motherson Yachiyo Automotive Tech Products of America put in about $1,606 per active participant, below the typical peer ($2,320). 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 (0.56% of assets) are well above similar-size plans (0.23%). 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 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 | $1,246,200 |
| Participant (employee) contributions | $3,129,115 |
| Other contributions (incl. rollovers in) | $600,155 |
| Administrative expenses paid from the plan | $173,600 |
| Contract administrator fees | $173,600 |
| Benefits paid out | $3,585,685 |
| Net assets, start / end of year | $28.4M / $33.2M |
| Active participants, start / end of year | 789 / 763 |
| Participants with account balances | 1,081 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark Schaefer Hackett & Co. |
Largest service providers (Schedule C)
| Stancorp Financial Group | $118,463 reported compensation |
| Everhart Advisors | $55,113 reported compensation |
| Charles Schwab | $17,176 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260924071322NAL0013314896001, received 2026-09-24, EIN 31-1576578, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.