Integra Lifesciences Corporation 401(k) Review & Grade
Integra Lifesciences Corporation 401(k) Trust
Princeton, NJManufacturing2,437 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,326Employer $ per active participant
$10,586Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$414.8MNet plan assets, end of year
$109,362Average balance per account
Score breakdown
- Employer generosity39.1 / 5078th percentile for employer $ per participant
- Low cost17.9 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 72th |
| Employee saving | 91th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $7,041 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Integra Lifesciences put in about $4,326 per active participant, more than the typical peer ($2,320). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $10,543,633 |
| Participant (employee) contributions | $25,798,727 |
| Other contributions (incl. rollovers in) | $7,414,867 |
| Administrative expenses paid from the plan | $424,272 |
| Other admin expenses | $424,272 |
| Benefits paid out | $35,561,466 |
| Net assets, start / end of year | $353.9M / $414.8M |
| Active participants, start / end of year | 2,296 / 2,578 |
| Participants with account balances | 3,793 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $332,470 reported compensation |
| Fiducient Advisors LLC | $65,000 reported compensation |
| Bdo | $32,792 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923091736NAL0005536177001, received 2025-09-23, EIN 22-3270030, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.