Adient US LLC 401(k) Review & Grade
Adient US LLC Savings and Investment (401k) Plan
Plymouth, MIManufacturing6,156 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,265Employer $ per active participant
$5,555Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$950.8MNet plan assets, end of year
$115,263Average balance per account
Score breakdown
- Employer generosity31.5 / 5063th percentile for employer $ per participant
- Low cost14.6 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 58th |
| Employee saving | 44th |
| Peers that auto-enroll | 70% |
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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 ($105 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $44,218 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Adient US put in about $4,265 per active participant, more than the typical peer ($3,452). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $26,257,404 |
| Participant (employee) contributions | $34,197,643 |
| Other contributions (incl. rollovers in) | $3,684,203 |
| Administrative expenses paid from the plan | $902,517 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $404,010 |
| Other admin expenses | $120,862 |
| Benefits paid out | $120,594,033 |
| Net assets, start / end of year | $921.6M / $950.8M |
| Active participants, start / end of year | 6,285 / 6,028 |
| Participants with account balances | 8,249 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Fidelity Invest. Inst. Opr. Co. | $377,645 reported compensation |
| Financial Engines | $348,879 reported compensation |
| Aon Consulting, Inc. | $102,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250714153130NAL0000983859001, received 2025-07-14, EIN 38-3380735, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.