Ingram Micro Inc. 401(k) Review & Grade
Ingram Micro 401(k) Investment Savings Plan
Irvine, CAWholesale Trade4,976 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,209Employer $ per active participant
$8,589Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$741.6MNet plan assets, end of year
$105,212Average balance per account
Score breakdown
- Employer generosity22.1 / 5044th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 44th |
| Employee saving | 91th |
| Peers that auto-enroll | 62% |
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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
- Ingram Micro put in about $2,209 per active participant, below the typical peer ($2,459). 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 | $10,993,340 |
| Participant (employee) contributions | $42,739,494 |
| Other contributions (incl. rollovers in) | $4,862,324 |
| Administrative expenses paid from the plan | $1,034,175 |
| Contract administrator fees | $3,300 |
| Investment advisory & management fees | $285,571 |
| Other admin expenses | $314,244 |
| Benefits paid out | $67,293,624 |
| Net assets, start / end of year | $654.5M / $741.6M |
| Active participants, start / end of year | 5,130 / 4,822 |
| Participants with account balances | 7,049 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $387,471 reported compensation |
| Mercer | $339,402 reported compensation |
| Strategic Advisors, Inc. | $285,571 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926171259NAL0022106354001, received 2025-09-26, EIN 62-1644402, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.