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Kobayashi, Sugita & Goda, LLP

99-0283752· Honolulu, HI· 2024 filing· vs 23,385 plans your size in your industry
C
0/100
Overall grade

Middle of the pack, with clear ways to do better.

–
Fees
not graded
C
Financial Wellness
F
Plan design
A
Compliance
Fees
Estimate only · not graded

Fees aren't disclosed. A typical estimate for a plan with this asset level is 40 bps, but this estimate is not graded.

Not graded
Financial Wellness

Middle-of-the-pack savings. Employees put away $6,987/employee a year. That's about average for plans this size.

C
lower56th percentilehigher
Plan design

The employer contributes through profit sharing rather than a standard match.

F
Employer contributes via profit sharing
No standard match, but the employer puts money in through profit sharing. Often a flat percentage to everyone, which works like a match for employees.
No automatic enrollment
Employees have to opt in themselves. Auto-enrollment is the easiest way to lift participation, and most newly started plans are now required to include it.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health

No compliance issues reported on the latest filing.

A
No issues reported
The latest public filing does not report any of the compliance issues this grade checks.
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Key insights

  • Strongest area: compliance & health. No compliance issues reported on the latest filing.
  • Best place to improve: plan design. The employer contributes through profit sharing rather than a standard match.
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