Lindt & Sprungli (USA), Inc. 401(k) Review & Grade
Lindt & Sprungli (USA), Inc. 401(k) Plan
Stratham, NHManufacturing1,050 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,562Employer $ per active participant
$5,378Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$89.5MNet plan assets, end of year
$102,907Average balance per account
Score breakdown
- Employer generosity27.5 / 5055th percentile for employer $ per participant
- Low cost19.8 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1557th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 79th |
| Employee saving | 57th |
| Peers that auto-enroll | 59% |
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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
- Lindt & Sprungli (USA) put in about $2,562 per active participant, more than the typical peer ($2,320). 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.
- 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 | $2,691,388 |
| Participant (employee) contributions | $5,649,936 |
| Other contributions (incl. rollovers in) | $725,245 |
| Administrative expenses paid from the plan | $65,223 |
| Investment advisory & management fees | $50,000 |
| Benefits paid out | $7,373,634 |
| Net assets, start / end of year | $75.7M / $89.5M |
| Active participants, start / end of year | 1,035 / 1,066 |
| Participants with account balances | 870 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Ubs Financial Services Inc | $50,000 reported compensation |
| Capital Group Retirement Plan Svcs. | $15,223 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015144902NAL0002600275001, received 2025-10-15, EIN 13-2522202, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.