Intrado Life & Safety, Inc. 401(k) Review & Grade
Intrado 401(k) Plan
Longmont, COInformation793 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,020Employer $ per active participant
$6,904Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$92.5MNet plan assets, end of year
$149,648Average balance per account
Score breakdown
- Employer generosity26.5 / 5053th percentile for employer $ per participant
- Low cost19.0 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th 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: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 76th |
| Employee saving | 38th |
| Peers that auto-enroll | 59% |
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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 ($464 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $656 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Intrado Life & Safety put in about $3,020 per active participant, more than the typical peer ($2,829). 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.
- 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 | $2,394,820 |
| Participant (employee) contributions | $5,475,152 |
| Other contributions (incl. rollovers in) | $1,704,337 |
| Administrative expenses paid from the plan | $79,448 |
| Contract administrator fees | $79,448 |
| Benefits paid out | $7,433,129 |
| Net assets, start / end of year | $78.9M / $92.5M |
| Active participants, start / end of year | 842 / 744 |
| Participants with account balances | 618 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bland & Associates P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $78,848 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010115448NAL0012512640001, received 2025-10-10, EIN 84-0796285, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.