LDV, Inc. 401(k) Review & Grade
Lynch Companies 401(k) Savings Plan
Burlington, WIManufacturing674 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,924Employer $ per active participant
$7,270Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$80.0MNet plan assets, end of year
$108,651Average balance per account
Score breakdown
- Employer generosity20.8 / 5042th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1576th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 44th |
| Employee saving | 76th |
| Peers that auto-enroll | 59% |
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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
- LDV put in about $1,924 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.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,296,578 |
| Participant (employee) contributions | $4,899,839 |
| Other contributions (incl. rollovers in) | $427,268 |
| Administrative expenses paid from the plan | $206,467 |
| Contract administrator fees | $206,467 |
| Benefits paid out | $6,377,995 |
| Net assets, start / end of year | $72.1M / $80.0M |
| Active participants, start / end of year | 689 / 659 |
| Participants with account balances | 736 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $192,632 reported compensation |
| Principal Securities | $48,716 reported compensation |
| PPG Retirement Plan Services | $35,372 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260618145454NAL0002149475001, received 2026-06-18, EIN 39-1281237, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.