Yusen Logistics (americas) Inc. 401(k) Review & Grade
Yusen Logistics (americas) Inc 401k Plan
Secaucus, NJTransportation & Warehousing1,937 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,086Employer $ per active participant
$4,854Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$149.9MNet plan assets, end of year
$70,864Average balance per account
Score breakdown
- Employer generosity36.4 / 5073th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 87th |
| Employee saving | 73th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $18,386 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Yusen Logistics (americas) put in about $2,086 per active participant, more than the typical peer ($1,070). 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 | $4,041,170 |
| Participant (employee) contributions | $9,402,632 |
| Other contributions (incl. rollovers in) | $773,364 |
| Administrative expenses paid from the plan | $71,027 |
| Benefits paid out | $9,702,638 |
| Net assets, start / end of year | $126.7M / $149.9M |
| Active participants, start / end of year | 1,786 / 2,088 |
| Participants with account balances | 2,116 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | BPM LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $71,027 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922084851NAL0004470449001, received 2025-09-22, EIN 13-2618812, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.