Ti Group Automotive Systems, LLC 401(k) Review & Grade
Ti Group Automotive Systems Employees' Savings Plan
Auburn Hills, MIManufacturing1,884 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,344Employer $ per active participant
$4,736Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$246.8MNet plan assets, end of year
$90,558Average balance per account
Score breakdown
- Employer generosity25.3 / 5051th percentile for employer $ per participant
- Low cost18.8 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 75th |
| Employee saving | 47th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Ti Group Automotive Systems put in about $2,344 per active participant, more than the typical peer ($2,320). 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.
- 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 | $4,418,083 |
| Participant (employee) contributions | $8,924,230 |
| Other contributions (incl. rollovers in) | $1,093,899 |
| Administrative expenses paid from the plan | $222,208 |
| Contract administrator fees | $900 |
| Other admin expenses | $3,234 |
| Benefits paid out | $29,484,240 |
| Net assets, start / end of year | $222.5M / $246.8M |
| Active participants, start / end of year | 1,974 / 1,795 |
| Participants with account balances | 2,725 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante and Moran PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $204,677 reported compensation |
| Dykema Gossett PLLC | $14,297 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923074330NAL0006987776001, received 2025-09-23, EIN 38-3610909, plan #013, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.