Integrity Express Logistics, LLC 401(k) Review & Grade
Integrity Express 401(k) Profit Sharing Plan
Cincinnati, OHTransportation & Warehousing742 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,242Employer $ per active participant
$4,473Employee $ saved per active participant
0.76%Direct admin cost, % of plan assets
$26.0MNet plan assets, end of year
$27,359Average balance per account
Score breakdown
- Employer generosity27.9 / 5056th percentile for employer $ per participant
- Low cost2.7 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1570th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 11th |
| Employee saving | 70th |
| 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
- Integrity Express Logistics put in about $1,242 per active participant, more than the typical peer ($1,070). 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.
- Direct plan expenses (0.76% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $922,519 |
| Participant (employee) contributions | $3,321,090 |
| Other contributions (incl. rollovers in) | $140,919 |
| Administrative expenses paid from the plan | $174,174 |
| Other admin expenses | $174,174 |
| Benefits paid out | $3,090,825 |
| Net assets, start / end of year | $19.5M / $26.0M |
| Active participants, start / end of year | 730 / 755 |
| Participants with account balances | 951 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $47,469 reported compensation |
| Creative Retirement Systems | $24,036 reported compensation |
| Empower Annuity Ins Co of America | $12,318 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001104859NAL0031438066001, received 2025-10-01, EIN 20-8583331, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.