KW International Inc 401(k) Review & Grade
KW International Inc Retirement Plan
Carson, CATransportation & Warehousing524 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,845Employer $ per active participant
$3,643Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$7.8MNet plan assets, end of year
$14,783Average balance per account
Score breakdown
- Employer generosity34.4 / 5069th percentile for employer $ per participant
- Low cost8.6 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 34th |
| Employee saving | 58th |
| Peers that auto-enroll | 37% |
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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 ($1,330 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $8,914 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- KW International put in about $1,845 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.
- Direct plan expenses (0.36% 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 | $966,075 |
| Participant (employee) contributions | $1,907,199 |
| Other contributions (incl. rollovers in) | $43,678 |
| Administrative expenses paid from the plan | $22,604 |
| Benefits paid out | $660,435 |
| Net assets, start / end of year | $4.9M / $7.8M |
| Active participants, start / end of year | 542 / 505 |
| Participants with account balances | 528 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lee CPA Audit Group |
Largest service providers (Schedule C)
| Adp, Inc. | $22,603 reported compensation |
| MML Investors | $0 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250909050828NAL0042817602001, received 2025-09-09, EIN 95-4619785, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.