Recaro Aircraft Seating Americas, LLC 401(k) Review & Grade
Recaro Aircraft Seating Americas 401(k) Plan
Fort Worth, TXManufacturing522 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,447Employer $ per active participant
$4,884Employee $ saved per active participant
0.48%Direct admin cost, % of plan assets
$26.2MNet plan assets, end of year
$41,295Average balance per account
Score breakdown
- Employer generosity26.5 / 5053th percentile for employer $ per participant
- Low cost6.1 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 24th |
| Employee saving | 49th |
| Peers that auto-enroll | 59% |
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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 ($208 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
- Recaro Aircraft Seating Americas put in about $2,447 per active participant, more than the typical peer ($2,320). 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.
- Direct plan expenses (0.48% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,278,716 |
| Participant (employee) contributions | $2,551,759 |
| Other contributions (incl. rollovers in) | $218,755 |
| Administrative expenses paid from the plan | $114,550 |
| Investment advisory & management fees | $46,275 |
| Benefits paid out | $2,328,024 |
| Net assets, start / end of year | $21.5M / $26.2M |
| Active participants, start / end of year | 497 / 548 |
| Participants with account balances | 634 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $68,275 reported compensation |
| Creative Planning LLC | $40,000 reported compensation |
| Strategic Advisors, Inc. | $6,275 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250915112605NAL0000680659001, received 2025-09-15, EIN 75-2793650, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.