Bridgestone Americas, Inc. 401(k) Review & Grade
Bridgestone Americas, Inc. Savings Plan for Bargaining Unit Employees
Nashville, TNManufacturing3,179 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,990Employer $ per active participant
$3,138Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$250.5MNet plan assets, end of year
$65,198Average balance per account
Score breakdown
- Employer generosity13.8 / 5028th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving2.4 / 1516th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 53th |
| Employee saving | 16th |
| 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
- Bridgestone Americas put in about $1,990 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.
- 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 | $6,327,329 |
| Participant (employee) contributions | $9,974,685 |
| Other contributions (incl. rollovers in) | $190,283 |
| Administrative expenses paid from the plan | $276,104 |
| Investment advisory & management fees | $72,049 |
| Other admin expenses | $8,169 |
| Benefits paid out | $28,740,897 |
| Net assets, start / end of year | $234.3M / $250.5M |
| Active participants, start / end of year | 3,306 / 3,052 |
| Participants with account balances | 3,842 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Fidelity Institutional Ops Co | $157,036 reported compensation |
| Strategic Advisors Inc | $72,049 reported compensation |
| Grant Thornton LLP | $38,850 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015135056NAL0009920994001, received 2025-10-15, EIN 88-0335067, plan #012, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.