International Union, Uaw 401(k) Review & Grade
International Uaw Staff Severance Plan
Detroit, MIOther Services572 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,030Employer $ per active participant
$11,100Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$212.8MNet plan assets, end of year
$223,499Average balance per account
Score breakdown
- Employer generosity48.0 / 5096th percentile for employer $ per participant
- Low cost23.7 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving14.5 / 1596th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 95th |
| Employee saving | 96th |
| Peers that auto-enroll | 40% |
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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
- International Union, Uaw put in about $8,030 per active participant, more than the typical peer ($1,257). 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 | $4,597,067 |
| Participant (employee) contributions | $6,354,666 |
| Other contributions (incl. rollovers in) | $880,987 |
| Administrative expenses paid from the plan | $46,070 |
| Contract administrator fees | $2,400 |
| Investment advisory & management fees | $42,545 |
| Benefits paid out | $23,184,619 |
| Net assets, start / end of year | $197.1M / $212.8M |
| Active participants, start / end of year | 543 / 602 |
| Participants with account balances | 952 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Calibre CPA Group, PLLC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $42,545 reported compensation |
| Fidelity Investments Institutional | $3,525 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003145645NAL0001539457001, received 2025-10-03, EIN 38-0679801, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.