Tokio Marine North America Inc. 401(k) Review & Grade
Tmna, Inc. 401(k) Plan
Jersey City, NJFinance & Insurance3,086 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,877Employer $ per active participant
$11,027Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$819.7MNet plan assets, end of year
$200,659Average balance per account
Score breakdown
- Employer generosity32.8 / 5066th percentile for employer $ per participant
- Low cost19.3 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1575th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 77th |
| Employee saving | 75th |
| Peers that auto-enroll | 66% |
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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
- Tokio Marine North America put in about $5,877 per active participant, more than the typical peer ($4,489). 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 | $18,132,004 |
| Participant (employee) contributions | $34,024,889 |
| Other contributions (incl. rollovers in) | $4,681,147 |
| Administrative expenses paid from the plan | $399,664 |
| Other admin expenses | $399,664 |
| Benefits paid out | $48,952,600 |
| Net assets, start / end of year | $699.1M / $819.7M |
| Active participants, start / end of year | 3,073 / 3,098 |
| Participants with account balances | 4,085 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Newport Capital Group | $340,151 reported compensation |
| Fidelity Investments Institutional | −$519,375 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002144718NAL0001509970001, received 2025-10-02, EIN 45-2682016, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.