Interior Logic Group Holdings IV, LLC 401(k) Review & Grade
Interior Logic Group 401(k) Plan
San Diego, CAConstruction3,745 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,058Employer $ per active participant
$4,486Employee $ saved per active participant
0.47%Direct admin cost, % of plan assets
$153.8MNet plan assets, end of year
$30,200Average balance per account
Score breakdown
- Employer generosity14.0 / 5028th percentile for employer $ per participant
- Low cost3.5 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 14th |
| Employee saving | 48th |
| Peers that auto-enroll | 57% |
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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
- Interior Logic Group Holdings IV put in about $1,058 per active participant, below the typical peer ($1,965). 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 (0.47% of assets) are well above similar-size plans (0.12%). 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 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 | $3,963,087 |
| Participant (employee) contributions | $16,800,276 |
| Other contributions (incl. rollovers in) | $1,250,125 |
| Administrative expenses paid from the plan | $687,884 |
| Contract administrator fees | $505,153 |
| Investment advisory & management fees | $144,611 |
| Benefits paid out | $23,282,922 |
| Net assets, start / end of year | $137.2M / $153.8M |
| Active participants, start / end of year | 4,073 / 3,417 |
| Participants with account balances | 5,092 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PKC Kuebler, Apc |
Largest service providers (Schedule C)
| John Hancock Retirement Plan Srvcs | $505,153 reported compensation |
| Global Retirement Partners LLC | $144,611 reported compensation |
| PKC Kuebler, Apc | $34,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015094224NAL0005839696001, received 2025-10-15, EIN 83-0573621, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.