Integration Innovation, Inc. D/B/A I3 401(k) Review & Grade
Integration Innovation, Inc. 401(k) and Profit Sharing Plan
Huntsville, ALProfessional, Scientific & Technical Services752 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$9,183Employer $ per active participant
$8,407Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$98.3MNet plan assets, end of year
$88,269Average balance per account
Score breakdown
- Employer generosity44.3 / 5089th percentile for employer $ per participant
- Low cost14.2 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 57th |
| Employee saving | 45th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,853 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Integration Innovation, Inc. D/B/A I3 put in about $9,183 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.
- 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 | $6,905,365 |
| Participant (employee) contributions | $6,322,417 |
| Other contributions (incl. rollovers in) | $4,130,130 |
| Administrative expenses paid from the plan | $167,549 |
| Investment advisory & management fees | $87,004 |
| Benefits paid out | $15,198,755 |
| Net assets, start / end of year | $84.2M / $98.3M |
| Active participants, start / end of year | 717 / 787 |
| Participants with account balances | 1,114 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hill Fogg, P.C |
Largest service providers (Schedule C)
| Navigate 401k LLC | $87,004 reported compensation |
| Fidelity Investments Institutional | $80,545 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007112019NAL0002617075001, received 2025-10-07, EIN 26-1553193, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.