Nissin Foodsu.s.a. Co., Inc. 401(k) Review & Grade
Nissin Foods (U.S.A.) Co., Inc. Retirement and Savings Plan
Gardena, CAManufacturing721 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,204Employer $ per active participant
$4,158Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$35.2MNet plan assets, end of year
$44,421Average balance per account
Score breakdown
- Employer generosity11.3 / 5023th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1539th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 43th |
| Employee saving | 39th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
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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
- Nissin Foodsu.s.a. Co. put in about $1,204 per active participant, below the typical peer ($2,320). 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.
- 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 | $867,844 |
| Participant (employee) contributions | $2,997,819 |
| Other contributions (incl. rollovers in) | $243,705 |
| Administrative expenses paid from the plan | $92,645 |
| Benefits paid out | $4,565,371 |
| Net assets, start / end of year | $31.1M / $35.2M |
| Active participants, start / end of year | 721 / 721 |
| Participants with account balances | 793 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | David L. Buck |
Largest service providers (Schedule C)
| Adp, Inc. | $43,734 reported compensation |
| Alphapoint, Inc. | $8,305 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015064735NAL0004199361001, received 2025-10-15, EIN 95-2655682, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.