T.y. Lin International Group, LTD 401(k) Review & Grade
Global Infrastructure Savings Plan
San Francisco, CAProfessional, Scientific & Technical Services2,010 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,719Employer $ per active participant
$12,542Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$443.6MNet plan assets, end of year
$147,180Average balance per account
Score breakdown
- Employer generosity30.2 / 5060th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score50 / 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 | 60th |
| Lower admin cost | 73th |
| Employee saving | 78th |
| Peers that auto-enroll | 48% |
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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 ($52,429,737 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $5,457 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- T.y. Lin International Group put in about $3,719 per active participant, more than the typical peer ($3,082). 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.
- 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 | $7,476,362 |
| Participant (employee) contributions | $25,215,302 |
| Other contributions (incl. rollovers in) | $6,154,280 |
| Administrative expenses paid from the plan | $401,712 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $132,531 |
| Other admin expenses | $30,756 |
| Benefits paid out | $43,135,382 |
| Net assets, start / end of year | $333.7M / $443.6M |
| Active participants, start / end of year | 1,873 / 2,148 |
| Participants with account balances | 3,014 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Legacy Professionals LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $174,994 reported compensation |
| Strategic Advisors, Inc. | $132,531 reported compensation |
| Grassi & Co., Cpas P.C. | $32,655 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926090123NAL0003910643001, received 2025-09-26, EIN 94-3277448, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.