Logistics Insight Corp. 401(k) Review & Grade
Logistics Insight Corp. Union Savings Plan
Warren, MITransportation & Warehousing1,138 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$525Employer $ per active participant
$1,082Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$12.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.6 / 5029th percentile for employer $ per participant
- Low cost17.4 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving2.1 / 1514th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 70th |
| Employee saving | 14th |
| Peers that auto-enroll | 37% |
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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
- Logistics Insight put in about $525 per active participant, below the typical peer ($1,070). 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.
- 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 | $597,076 |
| Participant (employee) contributions | $1,231,253 |
| Other contributions (incl. rollovers in) | $7,262 |
| Administrative expenses paid from the plan | $13,426 |
| Other admin expenses | $13,426 |
| Benefits paid out | $875,080 |
| Net assets, start / end of year | $10.1M / $12.4M |
| Active participants, start / end of year | 1,026 / 1,249 |
| Participants with account balances | 401 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mrpr Group P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $11,694 reported compensation |
| Strategic Advisors, Inc. | $1,732 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015130251NAL0004619857004, received 2025-10-15, EIN 38-3059210, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.