Fortune International, LLC 401(k) Review & Grade
Fortune International 401(k) Plan
Bensenville, ILManufacturing1,526 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,022Employer $ per active participant
$2,251Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$29.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.7 / 5017th percentile for employer $ per participant
- Low cost8.5 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score19 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 34th |
| Employee saving | 15th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $86,515 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Fortune International put in about $1,022 per active participant, below the typical peer ($2,320). 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 (0.36% 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 | $1,559,347 |
| Participant (employee) contributions | $3,435,505 |
| Other contributions (incl. rollovers in) | $92,318 |
| Administrative expenses paid from the plan | $78,073 |
| Investment advisory & management fees | $53,563 |
| Benefits paid out | $2,971,266 |
| Net assets, start / end of year | $14.1M / $29.1M |
| Active participants, start / end of year | 1,467 / 1,585 |
| Participants with account balances | 583 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $78,072 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251223050320NAL0005815251001, received 2025-12-23, EIN 36-4450195, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.