Samsung Sdi America, Inc. 401(k) Review & Grade
Samsung Sdi America, Inc. Profit
San Jose, CAWholesale Trade595 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,523Employer $ per active participant
$5,641Employee $ saved per active participant
0.55%Direct admin cost, % of plan assets
$28.1MNet plan assets, end of year
$49,814Average balance per account
Score breakdown
- Employer generosity33.1 / 5066th percentile for employer $ per participant
- Low cost5.1 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 20th |
| Employee saving | 63th |
| 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
- Samsung Sdi America put in about $2,523 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.
- Direct plan expenses (0.55% 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.
- 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 | $1,501,359 |
| Participant (employee) contributions | $3,356,388 |
| Other contributions (incl. rollovers in) | $391,105 |
| Administrative expenses paid from the plan | $136,136 |
| Investment advisory & management fees | $47,879 |
| Benefits paid out | $1,936,154 |
| Net assets, start / end of year | $21.5M / $28.1M |
| Active participants, start / end of year | 729 / 461 |
| Participants with account balances | 564 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Klichs LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $88,257 reported compensation |
| Morgan Stanley Smith Barney | $47,879 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251011053917NAL0008359121001, received 2025-10-11, EIN 95-4166217, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.