Kubota Manufacturing of America Corporation 401(k) Review & Grade
Kubota Manufacturing of America Corporation 401(k) Plan & Trust
Gainsville, GAManufacturing3,316 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,397Employer $ per active participant
$3,908Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$152.5MNet plan assets, end of year
$44,735Average balance per account
Score breakdown
- Employer generosity17.5 / 5035th percentile for employer $ per participant
- Low cost7.2 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 29th |
| Employee saving | 24th |
| Peers that auto-enroll | 70% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $1,347 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Kubota Manufacturing of America put in about $2,397 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.
- Direct plan expenses (0.24% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $7,948,147 |
| Participant (employee) contributions | $12,962,158 |
| Other contributions (incl. rollovers in) | $647,782 |
| Administrative expenses paid from the plan | $342,229 |
| Contract administrator fees | $272,267 |
| Investment advisory & management fees | $69,962 |
| Benefits paid out | $18,193,885 |
| Net assets, start / end of year | $131.7M / $152.5M |
| Active participants, start / end of year | 3,551 / 3,082 |
| Participants with account balances | 3,408 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Warren Averett, LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $272,267 reported compensation |
| Morgan Stanley Global | $69,962 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916095539NAL0001238595001, received 2025-09-16, EIN 58-1781948, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.