L.N.K. International, Inc. 401(k) Review & Grade
L.N.K. International, Inc. Retirement Plan
Hauppauge, NYManufacturing1,932 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$741Employer $ per active participant
$1,466Employee $ saved per active participant
0.55%Direct admin cost, % of plan assets
$39.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.7 / 5011th percentile for employer $ per participant
- Low cost5.1 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 156th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score2 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 20th |
| Employee saving | 6th |
| 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 ($327,117 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- L.N.K. International put in about $741 per active participant, below the typical peer ($2,320). 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 (0.55% 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 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 | $1,430,674 |
| Participant (employee) contributions | $2,833,195 |
| Other contributions (incl. rollovers in) | $429,585 |
| Administrative expenses paid from the plan | $198,795 |
| Contract administrator fees | $198,795 |
| Benefits paid out | $2,250,460 |
| Net assets, start / end of year | $33.4M / $39.4M |
| Active participants, start / end of year | 1,897 / 1,967 |
| Participants with account balances | 760 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $162,269 reported compensation |
| The Wealth Allance, LLC | $67,038 reported compensation |
| Orenda Retirement, LLC | $53,404 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010085358NAL0007398417001, received 2025-10-10, EIN 11-2540844, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.