Arup US, Inc. 401(k) Review & Grade
Arup US Retirement Savings Plan
San Francisco, CAProfessional, Scientific & Technical Services1,485 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$10,939Employer $ per active participant
$13,364Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$723.2MNet plan assets, end of year
$316,340Average balance per account
Score breakdown
- Employer generosity46.3 / 5093th percentile for employer $ per participant
- Low cost24.0 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 96th |
| Employee saving | 82th |
| Peers that auto-enroll | 48% |
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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
- Arup US put in about $10,939 per active participant, more than the typical peer ($3,082). 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 | $16,243,971 |
| Participant (employee) contributions | $19,846,064 |
| Other contributions (incl. rollovers in) | $1,874,638 |
| Administrative expenses paid from the plan | $122,101 |
| Contract administrator fees | $1,200 |
| Other admin expenses | $37,000 |
| Benefits paid out | $31,561,829 |
| Net assets, start / end of year | $606.2M / $723.2M |
| Active participants, start / end of year | 1,487 / 1,483 |
| Participants with account balances | 2,286 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark, Schaefer, Hackett & Co. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $83,901 reported compensation |
| Global Retirement Partners, LLC | $37,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923150047NAL0006997120001, received 2025-09-23, EIN 36-2711213, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.