Inland Technologies International Limited 401(k) Review & Grade
Inland Technologies International Limited 401(k) Plan
Transportation & Warehousing1,004 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$506Employer $ per active participant
$1,020Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$11.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.1 / 5028th percentile for employer $ per participant
- Low cost14.4 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1513th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 57th |
| Employee saving | 13th |
| Peers that auto-enroll | 37% |
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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
- Inland Technologies International Limited put in about $506 per active participant, below the typical peer ($1,070). 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 | $507,787 |
| Participant (employee) contributions | $1,023,188 |
| Other contributions (incl. rollovers in) | $16,162 |
| Administrative expenses paid from the plan | $19,534 |
| Investment advisory & management fees | $4,493 |
| Benefits paid out | $584,184 |
| Net assets, start / end of year | $9.7M / $11.9M |
| Active participants, start / end of year | 1,133 / 874 |
| Participants with account balances | 229 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdmp Assurance LLP |
Largest service providers (Schedule C)
| Jpmorgan Invest Holdings LLC | $15,041 reported compensation |
| Empower Advisory Group, LLC | $4,493 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251017090418NAL0003911379001, received 2025-10-17, EIN 41-1891275, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.