U.S. Facilities, Inc. 401(k) Review & Grade
U.S. Facilities, Inc. 401(k) Retirement Plan
Philadephia, PAAdministrative, Support & Staffing Services608 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,011Employer $ per active participant
$3,786Employee $ saved per active participant
0.45%Direct admin cost, % of plan assets
$29.9MNet plan assets, end of year
$38,229Average balance per account
Score breakdown
- Employer generosity39.5 / 5079th percentile for employer $ per participant
- Low cost6.5 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 26th |
| Employee saving | 70th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- U.S. Facilities put in about $2,011 per active participant, more than the typical peer ($712). 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.
- Direct plan expenses (0.45% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,223,486 |
| Participant (employee) contributions | $2,303,820 |
| Other contributions (incl. rollovers in) | $548,769 |
| Administrative expenses paid from the plan | $126,166 |
| Investment advisory & management fees | $64,870 |
| Benefits paid out | $2,996,325 |
| Net assets, start / end of year | $25.6M / $29.9M |
| Active participants, start / end of year | 594 / 623 |
| Participants with account balances | 783 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mitchell Titus, LLP |
Largest service providers (Schedule C)
| Ubs Financial Services Inc | $64,870 reported compensation |
| Fidelity Investments Institutional | $61,296 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008082653NAL0002854755001, received 2025-10-08, EIN 23-3035879, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.