Bridgestone Metalpha U.S.A., Inc. 401(k) Review & Grade
Bridgestone Metalpha U.S.A., Inc. 401(k) Plan
Clarksville, TNManufacturing514 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,105Employer $ per active participant
$4,232Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$39.0MNet plan assets, end of year
$64,097Average balance per account
Score breakdown
- Employer generosity32.4 / 5065th percentile for employer $ per participant
- Low cost10.7 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving6.0 / 1540th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 43th |
| Employee saving | 40th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $406 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Bridgestone Metalpha U.S.A. put in about $3,105 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.
- 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 | $1,595,875 |
| Participant (employee) contributions | $2,175,244 |
| Other contributions (incl. rollovers in) | $73,081 |
| Administrative expenses paid from the plan | $103,586 |
| Contract administrator fees | $3,248 |
| Investment advisory & management fees | $44,950 |
| Benefits paid out | $4,793,268 |
| Net assets, start / end of year | $34.9M / $39.0M |
| Active participants, start / end of year | 500 / 528 |
| Participants with account balances | 609 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Stone, Rudolph & Henry, PLC |
Largest service providers (Schedule C)
| Fidelity Workplace Services LLC | $58,636 reported compensation |
| RBC Wealth Management | $30,000 reported compensation |
| Strategic Advisors, Inc. | $14,952 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820072401NAL0002983009001, received 2025-08-20, EIN 62-1552127, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.