United Site Services, Inc 401(k) Review & Grade
United Site Services, Inc. 401(k) Plan
Westborough, MAAdministrative, Support & Staffing Services3,702 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$863Employer $ per active participant
$2,685Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$96.1MNet plan assets, end of year
$47,526Average balance per account
Score breakdown
- Employer generosity33.9 / 5068th percentile for employer $ per participant
- Low cost7.7 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 31th |
| Employee saving | 69th |
| Peers that auto-enroll | 22% |
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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
- United Site Services put in about $863 per active participant, more than the typical peer ($342). 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 (0.22% of assets) are well above similar-size plans (0.12%). 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 | $3,195,179 |
| Participant (employee) contributions | $9,939,277 |
| Other contributions (incl. rollovers in) | $2,491,180 |
| Administrative expenses paid from the plan | $202,055 |
| Investment advisory & management fees | $39,619 |
| Benefits paid out | $15,613,120 |
| Net assets, start / end of year | $85.5M / $96.1M |
| Active participants, start / end of year | 3,909 / 3,495 |
| Participants with account balances | 2,022 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $200,807 reported compensation |
| Empower Advisory Group, LLC | $39,619 reported compensation |
| Forvis Mazars, LLP | $16,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010085002NAL0004439443001, received 2025-10-10, EIN 35-2373387, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.