Nomura Securities International, Inc. 401(k) Review & Grade
Nomura Securities International, Inc. Retirement Investment Plan
New York, NYFinance & Insurance2,148 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$17,626Employer $ per active participant
$16,060Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$1.2BNet plan assets, end of year
$292,449Average balance per account
Score breakdown
- Employer generosity49.1 / 5098th percentile for employer $ per participant
- Low cost22.5 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1592th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 90th |
| Employee saving | 92th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $277,400 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Nomura Securities International put in about $17,626 per active participant, more than the typical peer ($3,606). 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 | $37,868,573 |
| Participant (employee) contributions | $34,504,109 |
| Other contributions (incl. rollovers in) | $5,479,773 |
| Administrative expenses paid from the plan | $455,598 |
| Other admin expenses | $455,598 |
| Benefits paid out | $61,283,540 |
| Net assets, start / end of year | $1.0B / $1.2B |
| Active participants, start / end of year | 2,107 / 2,190 |
| Participants with account balances | 4,090 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mitchell & Titus |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $286,071 reported compensation |
| Vanguard Advisers Inc. | $172,928 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014111557NAL0005580946001, received 2025-10-14, EIN 13-2642206, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.