The Internet Truckstop, LLC 401(k) Review & Grade
The Internet Truckstop, LLC 401(k) Profit Sharing Plan
New Plymouth, IDProfessional, Scientific & Technical Services607 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,235Employer $ per active participant
$6,645Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$30.0MNet plan assets, end of year
$56,747Average balance per account
Score breakdown
- Employer generosity26.4 / 5053th percentile for employer $ per participant
- Low cost5.7 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 23th |
| Employee saving | 33th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,764 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Internet Truckstop put in about $3,235 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.
- Direct plan expenses (0.50% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $1,963,930 |
| Participant (employee) contributions | $4,033,317 |
| Other contributions (incl. rollovers in) | $1,008,126 |
| Administrative expenses paid from the plan | $148,720 |
| Contract administrator fees | $148,720 |
| Benefits paid out | $10,571,912 |
| Net assets, start / end of year | $29.2M / $30.0M |
| Active participants, start / end of year | 763 / 451 |
| Participants with account balances | 529 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sorren Cpas, P.C |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $148,720 reported compensation |
| Global Retirement Partners LLC | $30,080 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015150503NAL0004939441001, received 2025-10-15, EIN 82-0484075, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.