Kyo-Ya Management Company, LTD. 401(k) Review & Grade
Kyo-Ya Management Company, LTD. 401(k) Plan
Honolulu, HIAccommodation & Food Services589 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,286Employer $ per active participant
$4,386Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$63.5MNet plan assets, end of year
$73,134Average balance per account
Score breakdown
- Employer generosity48.2 / 5096th percentile for employer $ per participant
- Low cost11.8 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 47th |
| Employee saving | 95th |
| Peers that auto-enroll | 17% |
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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
- Kyo-Ya Management Company put in about $2,286 per active participant, more than the typical peer ($266). 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 | $1,346,289 |
| Participant (employee) contributions | $2,583,284 |
| Other contributions (incl. rollovers in) | $70,750 |
| Administrative expenses paid from the plan | $155,817 |
| Benefits paid out | $7,549,752 |
| Net assets, start / end of year | $60.4M / $63.5M |
| Active participants, start / end of year | 559 / 619 |
| Participants with account balances | 868 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Accuity LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $155,817 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001161707NAL0012828497001, received 2025-10-01, EIN 20-2514876, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.