Adient US LLC 401(k) Review & Grade
Adient Production Employees Savings and Investment (401k) Plan
Plymouth, MIManufacturing1,018 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,707Employer $ per active participant
$1,483Employee $ saved per active participant
0.38%Direct admin cost, % of plan assets
$29.7MNet plan assets, end of year
$28,741Average balance per account
Score breakdown
- Employer generosity17.8 / 5036th percentile for employer $ per participant
- Low cost8.0 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 157th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 32th |
| Employee saving | 7th |
| Peers that auto-enroll | 59% |
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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
- Adient US put in about $1,707 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.
- Direct plan expenses (0.38% 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.
- 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 | $1,737,740 |
| Participant (employee) contributions | $1,510,117 |
| Other contributions (incl. rollovers in) | $3,064 |
| Administrative expenses paid from the plan | $109,273 |
| Benefits paid out | $3,133,383 |
| Net assets, start / end of year | $27.2M / $29.7M |
| Active participants, start / end of year | 1,067 / 969 |
| Participants with account balances | 1,034 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Fidelity Invest. Inst. Opr. Co. | $109,273 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250714153104NAL0000795347001, received 2025-07-14, EIN 38-3380735, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.