Ohio Transmission Holding LLC 401(k) Review & Grade
Ohio Transmission Holding LLC 401(k) Plan
Columbus, OHWholesale Trade1,704 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,193Employer $ per active participant
$7,233Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$151.2MNet plan assets, end of year
$72,613Average balance per account
Score breakdown
- Employer generosity29.8 / 5060th percentile for employer $ per participant
- Low cost13.5 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving12.1 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 54th |
| Employee saving | 81th |
| Peers that auto-enroll | 53% |
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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ohio Transmission Holding put in about $2,193 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 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 | $3,738,751 |
| Participant (employee) contributions | $12,329,179 |
| Other contributions (incl. rollovers in) | $2,270,984 |
| Administrative expenses paid from the plan | $293,554 |
| Investment advisory & management fees | $155,302 |
| Benefits paid out | $21,781,458 |
| Net assets, start / end of year | $137.1M / $151.2M |
| Active participants, start / end of year | 1,648 / 1,761 |
| Participants with account balances | 2,082 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $138,252 reported compensation |
| Creative Planning LLC | $80,700 reported compensation |
| Strategic Advisors, Inc. | $74,602 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015155128NAL0010149218001, received 2025-10-15, EIN 31-0655871, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.