Intralot USA 401(k) Review & Grade
The Intralot USA 401(k) Plan
Duluth, GAProfessional, Scientific & Technical Services598 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,009Employer $ per active participant
$4,508Employee $ saved per active participant
0.42%Direct admin cost, % of plan assets
$35.7MNet plan assets, end of year
$51,774Average balance per account
Score breakdown
- Employer generosity24.6 / 5049th percentile for employer $ per participant
- Low cost7.1 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving3.5 / 1523th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 29th |
| Employee saving | 23th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,850 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Intralot USA put in about $3,009 per active participant, below the typical peer ($3,082). 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.
- Direct plan expenses (0.42% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,800,870 |
| Participant (employee) contributions | $2,697,824 |
| Other contributions (incl. rollovers in) | $209,438 |
| Administrative expenses paid from the plan | $140,678 |
| Contract administrator fees | $140,678 |
| Benefits paid out | $4,144,299 |
| Net assets, start / end of year | $30.7M / $35.7M |
| Active participants, start / end of year | 604 / 593 |
| Participants with account balances | 689 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA. P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $140,678 reported compensation |
| Resources Investment Advisors | $39,389 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260216180830NAL0005173760001, received 2026-02-16, EIN 58-2666402, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.