LX Pantos USA, Inc. 401(k) Review & Grade
LX Pantos USA, Inc. Retirement Plan and Trust
Englewood Cliffs, NJTransportation & Warehousing634 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,612Employer $ per active participant
$3,125Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$10.5MNet plan assets, end of year
$24,701Average balance per account
Score breakdown
- Employer generosity32.1 / 5064th percentile for employer $ per participant
- Low cost12.1 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 49th |
| Employee saving | 52th |
| Peers that auto-enroll | 37% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- LX Pantos USA put in about $1,612 per active participant, more than the typical peer ($1,070). 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 | $1,022,062 |
| Participant (employee) contributions | $1,980,985 |
| Other contributions (incl. rollovers in) | $150,089 |
| Administrative expenses paid from the plan | $22,132 |
| Benefits paid out | $1,818,235 |
| Net assets, start / end of year | $8.0M / $10.5M |
| Active participants, start / end of year | 583 / 685 |
| Participants with account balances | 424 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pnjk |
Largest service providers (Schedule C)
| Adp, Inc. | $22,132 reported compensation |
| Morgan Stanley the Chen Group | $0 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260205201118NAL0002792595001, received 2026-02-05, EIN 27-3186733, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.