Infor (US), Inc. 401(k) Review & Grade
Infor 401(k) Savings Plan
Alpharetta, GAProfessional, Scientific & Technical Services4,649 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,668Employer $ per active participant
$12,849Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$1.1BNet plan assets, end of year
$178,100Average balance per account
Score breakdown
- Employer generosity14.8 / 5030th percentile for employer $ per participant
- Low cost24.7 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving11.0 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 99th |
| Employee saving | 73th |
| Peers that auto-enroll | 47% |
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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 ($2,648 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $19,926 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Infor (US) put in about $1,668 per active participant, below the typical peer ($2,951). 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.
- 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 | $7,756,589 |
| Participant (employee) contributions | $59,737,027 |
| Other contributions (incl. rollovers in) | $7,599,302 |
| Administrative expenses paid from the plan | $57,103 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $29,415 |
| Other admin expenses | $15,520 |
| Benefits paid out | $94,324,046 |
| Net assets, start / end of year | $1.0B / $1.1B |
| Active participants, start / end of year | 4,832 / 4,466 |
| Participants with account balances | 6,443 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $29,414 reported compensation |
| Cbiz Cpas P.C. | $18,203 reported compensation |
| Willis Towers Watson US LLC | $15,520 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009114641NAL0015976354001, received 2025-10-09, EIN 20-3469219, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.