Tomy International, Inc. 401(k) Review & Grade
Tomy International, Inc. Retirement Savings Plan
Oak Brook, ILWholesale Trade538 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,276Employer $ per active participant
$3,447Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$54.5MNet plan assets, end of year
$156,161Average balance per account
Score breakdown
- Employer generosity16.4 / 5033th percentile for employer $ per participant
- Low cost9.1 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 36th |
| Employee saving | 31th |
| 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
- Tomy International put in about $1,276 per active participant, below the typical peer ($1,792). 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.
- 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 | $686,565 |
| Participant (employee) contributions | $1,854,438 |
| Other contributions (incl. rollovers in) | $1,763 |
| Administrative expenses paid from the plan | $177,949 |
| Contract administrator fees | $1,710 |
| Investment advisory & management fees | $98,686 |
| Benefits paid out | $4,760,883 |
| Net assets, start / end of year | $50.5M / $54.5M |
| Active participants, start / end of year | 436 / 640 |
| Participants with account balances | 349 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Honkamp, PC |
Largest service providers (Schedule C)
| LPL Financial LLC | $98,686 reported compensation |
| John Hancock Life Insurance Company | $2,462 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015114336NAL0009392386001, received 2025-10-15, EIN 51-0305290, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.