Aptiv Corporation 401(k) Review & Grade
Aptiv Hourly 401(k) Plan
Troy, MIManufacturing962 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,169Employer $ per active participant
$2,606Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$296.5MNet plan assets, end of year
$81,603Average balance per account
Score breakdown
- Employer generosity32.8 / 5066th percentile for employer $ per participant
- Low cost20.8 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving2.7 / 1518th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 83th |
| Employee saving | 18th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Aptiv put in about $3,169 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.
- 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 | $3,050,035 |
| Participant (employee) contributions | $2,508,078 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $187,034 |
| Investment advisory & management fees | $27,973 |
| Benefits paid out | $30,081,995 |
| Net assets, start / end of year | $291.8M / $296.5M |
| Active participants, start / end of year | 955 / 970 |
| Participants with account balances | 3,633 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $134,652 reported compensation |
| Nepc, LLP | $27,973 reported compensation |
| Fidelity Management Trust Company | $21,760 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015155644NAL0005348337001, received 2025-10-15, EIN 27-0791190, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.