Ricoh USA, Inc. 401(k) Review & Grade
Ricoh USA, Inc. Retirement Savings Plan
Exton, PAWholesale Trade12,110 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,272Employer $ per active participant
$5,943Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$2.2BNet plan assets, end of year
$161,648Average balance per account
Score breakdown
- Employer generosity23.5 / 5047th percentile for employer $ per participant
- Low cost17.1 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving9.3 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 10,000+ active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 68th |
| Employee saving | 62th |
| Peers that auto-enroll | 63% |
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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
- Ricoh USA put in about $2,272 per active participant, below the typical peer ($2,420). 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.
- 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 | $27,511,100 |
| Participant (employee) contributions | $71,966,731 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $1,152,297 |
| Contract administrator fees | $53,709 |
| Investment advisory & management fees | $385,461 |
| Other admin expenses | $56,865 |
| Benefits paid out | $272,350,793 |
| Net assets, start / end of year | $2.1B / $2.2B |
| Active participants, start / end of year | 12,644 / 11,575 |
| Participants with account balances | 13,400 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton, LLP |
Largest service providers (Schedule C)
| Fidelity Institutional Asset MGT | $433,129 reported compensation |
| Mercer | $119,459 reported compensation |
| Aon Consulting Inc | $50,409 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014012434NAL0000998051001, received 2025-10-14, EIN 23-0334400, plan #099, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.