Ushio America, Inc. 401(k) Review & Grade
Ushio America and Christie Digital Savings and Retirement Plan
Cypress, CAManufacturing500 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,883Employer $ per active participant
$4,886Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$137.9MNet plan assets, end of year
$180,713Average balance per account
Score breakdown
- Employer generosity20.1 / 5040th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 75th |
| Employee saving | 49th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($34,368 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Ushio America put in about $1,883 per active participant, below the typical peer ($2,320). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $941,595 |
| Participant (employee) contributions | $2,443,245 |
| Other contributions (incl. rollovers in) | $143,447 |
| Administrative expenses paid from the plan | $131,403 |
| Contract administrator fees | $131,403 |
| Benefits paid out | $8,763,119 |
| Net assets, start / end of year | $133.7M / $137.9M |
| Active participants, start / end of year | 504 / 496 |
| Participants with account balances | 763 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lucas, Horsfall, Murphy & Pindroh |
Largest service providers (Schedule C)
| Mma Securities LLC | $56,017 reported compensation |
| Vanguard Group Inc. | $50,046 reported compensation |
| Ascensus/future Plan | $19,640 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015075645NAL0005615392001, received 2025-10-15, EIN 95-2485252, plan #001, plan year 2024-04-01 to 2024-12-31. Verify at efast.dol.gov.