Transportation Insight, LLC 401(k) Review & Grade
Transportation Insight Retirement Plan
Atlanta, GAProfessional, Scientific & Technical Services1,478 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,274Employer $ per active participant
$4,886Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$76.8MNet plan assets, end of year
$61,468Average balance per account
Score breakdown
- Employer generosity18.9 / 5038th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving3.7 / 1525th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 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 | 38th |
| Lower admin cost | 73th |
| Employee saving | 25th |
| Peers that auto-enroll | 48% |
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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
- Transportation Insight put in about $2,274 per active participant, below the typical peer ($3,082). 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 | $3,359,845 |
| Participant (employee) contributions | $7,219,297 |
| Other contributions (incl. rollovers in) | $1,307,987 |
| Administrative expenses paid from the plan | $73,530 |
| Contract administrator fees | $73,530 |
| Benefits paid out | $10,913,568 |
| Net assets, start / end of year | $65.4M / $76.8M |
| Active participants, start / end of year | 1,672 / 1,283 |
| Participants with account balances | 1,249 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $75,412 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014140221NAL0006309634001, received 2025-10-14, EIN 56-2197884, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.