Motiva Enterprises LLC 401(k) Review & Grade
Motiva 401(k) and Savings Plan
Houston, TXManufacturing2,541 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$11,957Employer $ per active participant
$14,303Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$887.8MNet plan assets, end of year
$299,127Average balance per account
Score breakdown
- Employer generosity48.6 / 5097th percentile for employer $ per participant
- Low cost17.9 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1594th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 71th |
| Employee saving | 94th |
| 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
- Motiva Enterprises put in about $11,957 per active participant, more than the typical peer ($3,452). 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.
- 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 | $30,383,876 |
| Participant (employee) contributions | $36,343,863 |
| Other contributions (incl. rollovers in) | $4,826,369 |
| Administrative expenses paid from the plan | $531,692 |
| Contract administrator fees | $5,100 |
| Investment advisory & management fees | $525,012 |
| Benefits paid out | $81,655,301 |
| Net assets, start / end of year | $793.4M / $887.8M |
| Active participants, start / end of year | 2,556 / 2,526 |
| Participants with account balances | 2,968 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pricewaterhousecoopers LLP |
Largest service providers (Schedule C)
| Financial Engines | $525,012 reported compensation |
| Fidelity Investments Institutional | $13,920 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015153256NAL0002560371001, received 2025-10-15, EIN 76-0262490, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.