United Rentals (north America), Inc. 401(k) Review & Grade
United Rentals 401(k) Investment Plan
Stamford, CTReal Estate & Rental23,047 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,232Employer $ per active participant
$6,440Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$2.3BNet plan assets, end of year
$84,585Average balance per account
Score breakdown
- Employer generosity25.0 / 5050th percentile for employer $ per participant
- Low cost13.1 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1561th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: all industries, plans with 10,000+ active participants (fewer than 30 industry peers) (820 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 52th |
| Employee saving | 61th |
| Peers that auto-enroll | 50% |
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Red flags from the filing
Fraud or dishonesty loss: the plan reported a loss caused by fraud or dishonesty during the year.
What to do if you're in this plan
- United Rentals (north America) put in about $2,232 per active participant, more than the typical peer ($2,229). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $51,438,435 |
| Participant (employee) contributions | $148,430,293 |
| Other contributions (incl. rollovers in) | $23,455,374 |
| Administrative expenses paid from the plan | $1,718,354 |
| Contract administrator fees | $1,668,925 |
| Investment advisory & management fees | $49,429 |
| Benefits paid out | $169,956,828 |
| Net assets, start / end of year | $1.9B / $2.3B |
| Active participants, start / end of year | 22,716 / 23,378 |
| Participants with account balances | 26,787 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $1,638,876 reported compensation |
| Fiducient Advisors LLC | $50,000 reported compensation |
| Americopy | $30,049 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002194156NAL0000508691001, received 2025-10-02, EIN 86-0933835, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.