Transdev North America, Inc. 401(k) Review & Grade
Transdev North America, Inc. 401k Plan for Non-Collectively Bargained Employees
Lombard, ILTransportation & Warehousing7,168 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$788Employer $ per active participant
$2,344Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$152.5MNet plan assets, end of year
$38,727Average balance per account
Score breakdown
- Employer generosity11.5 / 5023th percentile for employer $ per participant
- Low cost10.7 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 43th |
| Employee saving | 24th |
| Peers that auto-enroll | 46% |
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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
- Transdev North America put in about $788 per active participant, below the typical peer ($1,834). 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.
- 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 | $5,650,278 |
| Participant (employee) contributions | $16,800,422 |
| Other contributions (incl. rollovers in) | $3,606,597 |
| Administrative expenses paid from the plan | $216,419 |
| Investment advisory & management fees | $59,598 |
| Benefits paid out | $18,932,175 |
| Net assets, start / end of year | $130.1M / $152.5M |
| Active participants, start / end of year | 6,931 / 7,404 |
| Participants with account balances | 3,937 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Miller Cooper & Co, LTD |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $132,821 reported compensation |
| Mercer Investments LLC | $33,069 reported compensation |
| Strategic Advisors, Inc. | $26,529 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015090301NAL0002139043001, received 2025-10-15, EIN 51-0387033, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.