Lighthouse Document Technologies, Inc. 401(k) Review & Grade
Lighthouse Document Technologies, 401(k) Plan
Seattle, WAProfessional, Scientific & Technical Services774 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,487Employer $ per active participant
$10,788Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$75.9MNet plan assets, end of year
$76,394Average balance per account
Score breakdown
- Employer generosity13.2 / 5026th percentile for employer $ per participant
- Low cost15.9 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 64th |
| Employee saving | 65th |
| Peers that auto-enroll | 48% |
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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
- Lighthouse Document Technologies put in about $1,487 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.
- 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 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 | $1,151,205 |
| Participant (employee) contributions | $8,350,011 |
| Other contributions (incl. rollovers in) | $1,252,172 |
| Administrative expenses paid from the plan | $102,075 |
| Investment advisory & management fees | $2,578 |
| Benefits paid out | $7,352,776 |
| Net assets, start / end of year | $63.0M / $75.9M |
| Active participants, start / end of year | 741 / 807 |
| Participants with account balances | 993 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $99,497 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923163213NAL0002668867001, received 2025-09-23, EIN 43-1676776, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.