Uacj Automotive Whitehall Industries Inc 401(k) Review & Grade
Whitehall Industries Profit-Sharing and 401(k) Plan · d/b/a DBA Whitehall Industries, Inc.
Ludington, MIManufacturing810 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,392Employer $ per active participant
$3,103Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$35.0MNet plan assets, end of year
$41,680Average balance per account
Score breakdown
- Employer generosity25.9 / 5052th percentile for employer $ per participant
- Low cost8.6 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 35th |
| Employee saving | 24th |
| 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
- Uacj Automotive Whitehall Industries put in about $2,392 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.
- Direct plan expenses (0.36% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,938,460 |
| Participant (employee) contributions | $2,514,791 |
| Other contributions (incl. rollovers in) | $183,882 |
| Administrative expenses paid from the plan | $116,047 |
| Contract administrator fees | $116,047 |
| Benefits paid out | $4,725,024 |
| Net assets, start / end of year | $30.3M / $35.0M |
| Active participants, start / end of year | 874 / 747 |
| Participants with account balances | 839 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Uhy LLP |
Largest service providers (Schedule C)
| Empower Insurance Company of Americ | $89,892 reported compensation |
| Fifth Third Bank | $35,000 reported compensation |
| Empower Advisory Group, LLC | $27,352 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015154454NAL0002688323001, received 2025-10-15, EIN 81-2008793, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.