Mercedes-Benz USA 401(k) Plan

Officially: MERCEDES-BENZ USA, LLC EMPLOYEES' RETIREMENT SAVINGS PLAN

The Mercedes-Benz USA, LLC Employees' Retirement Savings Plan covered 5,164 total participants and held $984.3 million in net assets at the end of the 2024 plan year, with 5,052 participants carrying account balances. Voya Institutional Plan Services serves as recordkeeper and Voya Institutional Trust Company as trustee, having succeeded Russell Investments Trust Company in 2023. The investment menu is built entirely from common collective trusts, anchored by the State Street S&P 500 Index fund, a JPMCB SmartRetirement Passive Blend target date series, and multi-manager bond, small/mid cap, and international equity sleeves.

Participants: 5,300 Plan assets: $984,250,026 Plan number: 002 Form 5500 plan year: 2024 Last verified: Jun 9, 2026 View Form 5500
Match
75% match on the first 8% of eligible pay
Vesting
Company contributions vest at 20% per year of service, becoming 100% vested after five years; participants are immediately fully vested upon death, early retirement at age 55, disability, or attainment of age 65.
Investment Options
26 funds
Auto-Enrollment
New eligible employees are automatically enrolled at a 3% pre-tax deferral rate as of their date of hire, with automatic annual escalation of 1% per year up to a maximum of 8% in year six.
Plan Size
$984,250,026

By Zac Murphy, CFA charterholder and CFP professional. Published June 9, 2026. Verified against Form 5500 plan year 2024.

Get a personalized look at your Mercedes-Benz USA 401(k) options

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Fund lineup

Fund Asset Class Type
Prudential Core Plus Bond Fund US Bonds Active
Manulife AM- US Core Plus Fixed Income Fund US Bonds Active
State Street Real Asset Non-Lending Real Estate Active
Vanguard Treasury Money Market Fund Money Market Other
JPMCB Retirement Target-date Other
JPMCB 2025 Target-date Other
JPMCB 2030 Target-date Other
JPMCB 2035 Target-date Other
JPMCB 2040 Target-date Other
JPMCB 2045 Target-date Other
JPMCB 2050 Target-date Other
JPMCB 2055 Target-date Other
JPMCB 2060 Target-date Other
JPMCB 2065 Target-date Other
Victory SMID Value Fund US Small Cap Active
Westwood Small/Mid Cap Value Fund US Small Cap Active
Riverbridge- SMID Cap Growth Fund US Small Cap Active
Westfield CM- Small/ Mid Cap Growth Fund US Small Cap Active
State Street S&P 500 Index US Large Cap Index
LSV International Large Value Fund International Equity Active
American Century Non US Consent Fund International Equity Active
MFS International Core Equity Fund International Equity Active
RBC Emerging Markets Equity Focus Fund Emerging Markets Active
State Street Russell Small Cap US Small Cap Index
State Street Global All Cap Equity International Equity Index
State Street U.S. Bond Index US Bonds Index

Why our allocations use only index funds

The actively managed funds in this plan cost more per year than the plan's index funds, which run roughly 0.02% to 0.06%. Decades of research on long-term active fund performance do not support reliable outperformance net of fees, which is why the allocation ideas below may consider using only the low-cost index options.

Employer match

Match summary
75% match on the first 8% of eligible pay
Match cap 75% of pay
Effective match rate 8%
Vesting Company contributions vest at 20% per year of service, becoming 100% vested after five years; participants are immediately fully vested upon death, early retirement at age 55, disability, or attainment of age 65.
Waiting period Employees may contribute and are automatically enrolled as of date of hire; employer matching contributions begin after
$
Contribute this much to capture the full match
75% of your eligible pay, every paycheck.

75% match on the first 8% of eligible pay Contributing less than 75% of your eligible pay leaves part of Mercedes-Benz USA's match unclaimed.

What the match is worth at your pay After 1 year of service, contributing 75%
Annual pay Your contribution Employer match Total to 401(k)

Estimates assume a constant salary and the match formula shown above. Your actual match depends on your plan's exact terms.

The cost of contributing only --%

On a $60,000 salary, contributing just half the match threshold would leave about -- in employer match unclaimed each year. Invested over 20 years at a hypothetical 7% annual return, that forgone match could have grown to roughly -- (a hypothetical illustration, not a projection). The match is the highest-return contribution you will make all year.

Sources

  • Plan metadata (employer, participants, assets, plan year): Form 5500 annual return/report, plan year 2024 -- view filing
  • Summary Plan Description (SPD) and fee disclosure (404a-5), where available from the plan administrator.

This page is for educational purposes only and does not constitute investment, tax, or legal advice, nor a recommendation to buy or sell any security. Information is drawn from public Form 5500 filings and plan documents and may be incomplete or out of date. You may consider consulting a qualified professional and confirming all details with your plan administrator before making decisions. Waterfall Planning is not affiliated with Mercedes-Benz USA.

Find your risk profile

Answer 13 questions to see which allocation fits your situation.

Question 1 of 13

Risk assessment methodology based on Grable, J. E., & Lytton, R. H. (1999). Financial risk tolerance revisited: The development of a risk assessment instrument. Financial Services Review, 8, 163-181.

Allocation ideas

Five sample mixes built from this plan's funds, from conservative to growth. Take the assessment above to see which one fits your risk profile.

Recommended for you (based on your risk profile)
Conservative
Conservative

Capital preservation with minimal market exposure, built from bonds and stable value.

US equity   International   Bonds   Stable value
State Street U.S. Bond Index 70%
Vanguard Treasury Money Market Fund 30%
0% stocks / 100% bonds
Recommended for you (based on your risk profile)
Income & A Little Growth
Income & A Little Growth

Mostly bonds with a small stock sleeve for modest growth.

US equity   International   Bonds   Stable value
State Street U.S. Bond Index 49%
Vanguard Treasury Money Market Fund 21%
State Street S&P 500 Index 19%
State Street Global All Cap Equity 8%
State Street Russell Small Cap 3%
30% stocks / 70% bonds
Recommended for you (based on your risk profile)
Balanced
Balanced

A classic 60/40 split of stocks and bonds.

US equity   International   Bonds   Stable value
State Street S&P 500 Index 39%
State Street U.S. Bond Index 28%
State Street Global All Cap Equity 15%
Vanguard Treasury Money Market Fund 12%
State Street Russell Small Cap 6%
60% stocks / 40% bonds
Recommended for you (based on your risk profile)
Growth & Income
Growth & Income

Stock-heavy with a bond cushion for a long horizon.

US equity   International   Bonds   Stable value
State Street S&P 500 Index 52%
State Street Global All Cap Equity 20%
State Street U.S. Bond Index 14%
State Street Russell Small Cap 8%
Vanguard Treasury Money Market Fund 6%
80% stocks / 20% bonds
Recommended for you (based on your risk profile)
Growth
Growth

All stocks for maximum long-term growth potential, with higher short-term volatility.

US equity   International   Bonds   Stable value
State Street S&P 500 Index 65%
State Street Global All Cap Equity 25%
State Street Russell Small Cap 10%
100% stocks / 0% bonds
Stay on track

Get a plain-English breakdown of your plan

Occasional, no-jargon guidance on getting the most from your workplace retirement plan.

  • ✓ What your match is really worth
  • ✓ How to keep costs low with index funds
  • ✓ Plan updates when your filing changes

We send only what's useful. No advisor pitches, no data sales.

These allocation ideas are educational illustrations built from this plan's available funds and a standard risk-tolerance assessment. They are not personalized investment advice or a recommendation, and risk tolerance is only one factor in an investment decision. You may consider consulting a qualified professional before making changes to your account.