Kyocera Document Solutions America, Inc. 401(k) Review & Grade
Kda 401(k) Plan
Fairfield, NJWholesale Trade668 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,385Employer $ per active participant
$9,099Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$164.2MNet plan assets, end of year
$218,676Average balance per account
Score breakdown
- Employer generosity42.9 / 5086th percentile for employer $ per participant
- Low cost21.5 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 86th |
| Employee saving | 91th |
| Peers that auto-enroll | 53% |
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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 ($540,333 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Kyocera Document Solutions America put in about $4,385 per active participant, more than the typical peer ($1,792). 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 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 | $2,931,168 |
| Participant (employee) contributions | $6,082,787 |
| Other contributions (incl. rollovers in) | $1,658,667 |
| Administrative expenses paid from the plan | $83,846 |
| Other admin expenses | $35,662 |
| Benefits paid out | $15,845,547 |
| Net assets, start / end of year | $147.5M / $164.2M |
| Active participants, start / end of year | 672 / 665 |
| Participants with account balances | 751 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eisneramper LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $48,184 reported compensation |
| Capfinancial Partners LLC | $35,788 reported compensation |
| Charles Schwab & Co., Inc. | $335 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250829153836NAL0006215379001, received 2025-08-29, EIN 95-2819506, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.