U.S. Tsubaki Holdings, Inc. 401(k) Review & Grade
U.S. Tsubaki Holdings, Inc. Retirement Plan
Wheeling, ILManufacturing686 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,348Employer $ per active participant
$7,472Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$129.1MNet plan assets, end of year
$146,152Average balance per account
Score breakdown
- Employer generosity42.4 / 5085th percentile for employer $ per participant
- Low cost16.0 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1577th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 64th |
| Employee saving | 77th |
| Peers that auto-enroll | 59% |
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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
- U.S. Tsubaki Holdings put in about $5,348 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.
- 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 | $3,666,086 |
| Participant (employee) contributions | $5,121,769 |
| Other contributions (incl. rollovers in) | $575,784 |
| Administrative expenses paid from the plan | $185,063 |
| Contract administrator fees | $91,795 |
| Investment advisory & management fees | $78,268 |
| Benefits paid out | $12,261,784 |
| Net assets, start / end of year | $125.3M / $129.1M |
| Active participants, start / end of year | 680 / 691 |
| Participants with account balances | 883 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| John Hancock | $111,442 reported compensation |
| Global Retirement Partners | $58,621 reported compensation |
| Wipfli, LLP | $15,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260114120220NAL0015720833001, received 2026-01-14, EIN 36-2721807, plan #002, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.