Yanfeng International Automotive Technology US I LLC 401(k) Review & Grade
Yanfeng Automotive Interior Systems Savings and Investment 401(k) Plan
Novi, MIManufacturing5,210 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,148Employer $ per active participant
$3,323Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$433.2MNet plan assets, end of year
$89,147Average balance per account
Score breakdown
- Employer generosity15.3 / 5031th percentile for employer $ per participant
- Low cost17.4 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 69th |
| Employee saving | 17th |
| Peers that auto-enroll | 70% |
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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
- Yanfeng International Automotive Technology US I put in about $2,148 per active participant, below the typical peer ($3,452). 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 | $11,193,521 |
| Participant (employee) contributions | $17,316,808 |
| Other contributions (incl. rollovers in) | $3,686,894 |
| Administrative expenses paid from the plan | $280,163 |
| Contract administrator fees | $1,500 |
| Investment advisory & management fees | $162,176 |
| Other admin expenses | $78,000 |
| Benefits paid out | $54,905,659 |
| Net assets, start / end of year | $399.1M / $433.2M |
| Active participants, start / end of year | 5,167 / 5,254 |
| Participants with account balances | 4,859 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | GJC Cpa's & Advisors |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $162,175 reported compensation |
| Stifel Pearlstreet Investment MGT. | $75,000 reported compensation |
| Fidelity Inv. Inst. Oper. Co. | $23,037 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009224700NAL0017198306001, received 2025-10-09, EIN 32-0447985, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.