Safran Seats USA LLC 401(k) Review & Grade
Zodiac Seats US Union Savings Plan
Gainesville, TXManufacturing595 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,592Employer $ per active participant
$2,015Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$22.4MNet plan assets, end of year
$32,882Average balance per account
Score breakdown
- Employer generosity16.3 / 5033th percentile for employer $ per participant
- Low cost17.3 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1512th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 69th |
| Employee saving | 12th |
| 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
- Safran Seats USA put in about $1,592 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.
- 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 | $947,148 |
| Participant (employee) contributions | $1,198,663 |
| Other contributions (incl. rollovers in) | $5,872 |
| Administrative expenses paid from the plan | $26,085 |
| Benefits paid out | $1,951,992 |
| Net assets, start / end of year | $20.3M / $22.4M |
| Active participants, start / end of year | 570 / 620 |
| Participants with account balances | 681 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Calvetti Ferguson |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $15,385 reported compensation |
| Calvetti Ferguson | $10,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924083857NAL0016675602001, received 2025-09-24, EIN 52-2336242, plan #011, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.