Lionbridge Technologies, LLC 401(k) Review & Grade
Lionbridge Technologies 401k Plan
Waltham, MAProfessional, Scientific & Technical Services972 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$910Employer $ per active participant
$4,888Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$112.3MNet plan assets, end of year
$37,941Average balance per account
Score breakdown
- Employer generosity9.2 / 5018th percentile for employer $ per participant
- Low cost9.4 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving3.7 / 1525th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 37th |
| Employee saving | 25th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($72 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Lionbridge Technologies put in about $910 per active participant, below the typical peer ($3,082). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $884,718 |
| Participant (employee) contributions | $4,753,562 |
| Other contributions (incl. rollovers in) | $354,546 |
| Administrative expenses paid from the plan | $354,580 |
| Investment advisory & management fees | $60,000 |
| Benefits paid out | $12,880,985 |
| Net assets, start / end of year | $104.5M / $112.3M |
| Active participants, start / end of year | 1,001 / 944 |
| Participants with account balances | 2,960 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $249,543 reported compensation |
| Gallagher Fiduciary Advisors LLC | $60,000 reported compensation |
| Bdo USA LLP | $45,037 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006101333NAL0003250977001, received 2025-10-06, EIN 04-3398462, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.