Nti Connect, LLC 401(k) Review & Grade
Nti Connect 401(k) Plan
Downers Grove, ILConstruction1,096 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,265Employer $ per active participant
$2,519Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$28.2MNet plan assets, end of year
$48,336Average balance per account
Score breakdown
- Employer generosity19.6 / 5039th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 41th |
| Employee saving | 30th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $82 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Nti Connect put in about $1,265 per active participant, below the typical peer ($1,672). 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 | $1,387,420 |
| Participant (employee) contributions | $2,762,080 |
| Other contributions (incl. rollovers in) | $522,094 |
| Administrative expenses paid from the plan | $74,912 |
| Contract administrator fees | $15,524 |
| Investment advisory & management fees | $59,388 |
| Benefits paid out | $2,819,294 |
| Net assets, start / end of year | $22.7M / $28.2M |
| Active participants, start / end of year | 1,037 / 1,156 |
| Participants with account balances | 583 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Smith & Howard, PC |
Largest service providers (Schedule C)
| Strategic Wealth Partners | $59,388 reported compensation |
| The Vanguard Group, Inc. | $15,524 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911101426NAL0000375409001, received 2025-09-11, EIN 36-4816010, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.