US Fertility Holdings, LLC 401(k) Review & Grade
US Fertility Holdings, LLC Profit Sharing Plan
Rockville, MDHealth Care & Social Assistance2,519 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,755Employer $ per active participant
$6,014Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$179.7MNet plan assets, end of year
$55,870Average balance per account
Score breakdown
- Employer generosity40.0 / 5080th percentile for employer $ per participant
- Low cost6.4 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 26th |
| Employee saving | 82th |
| Peers that auto-enroll | 38% |
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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
- US Fertility Holdings put in about $2,755 per active participant, more than the typical peer ($800). 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 (0.27% 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.
- 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 | $6,940,568 |
| Participant (employee) contributions | $15,149,599 |
| Other contributions (incl. rollovers in) | $2,234,139 |
| Administrative expenses paid from the plan | $400,640 |
| Contract administrator fees | $400,640 |
| Benefits paid out | $10,214,175 |
| Net assets, start / end of year | $115.2M / $179.7M |
| Active participants, start / end of year | 2,184 / 2,854 |
| Participants with account balances | 3,216 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cassell Plan Audits, P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $572,769 reported compensation |
| Frank Pension Consultants, LTD. | $100,474 reported compensation |
| Mercer | $61,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250813081414NAL0025002418001, received 2025-08-13, EIN 85-1687446, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.