Linetec Services, LLC 401(k) Review & Grade
Linetec 401(k) Plan
Phoenix, AZProfessional, Scientific & Technical Services572 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,369Employer $ per active participant
$8,812Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$28.5MNet plan assets, end of year
$42,154Average balance per account
Score breakdown
- Employer generosity37.9 / 5076th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score73 / 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 | 76th |
| Lower admin cost | 98th |
| Employee saving | 48th |
| 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
- Linetec Services put in about $5,369 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 | $3,068,275 |
| Participant (employee) contributions | $5,036,284 |
| Other contributions (incl. rollovers in) | $256,261 |
| Administrative expenses paid from the plan | $1,975 |
| Other admin expenses | $1,975 |
| Benefits paid out | $2,831,845 |
| Net assets, start / end of year | $20.0M / $28.5M |
| Active participants, start / end of year | 548 / 595 |
| Participants with account balances | 676 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $6,275 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015100359NAL0004253377001, received 2025-10-15, EIN 47-2111826, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.