Fugro (USA) Holdings Inc 401(k) Review & Grade
The Fugro 401(k) Plan
Houston, TXProfessional, Scientific & Technical Services1,174 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,435Employer $ per active participant
$10,692Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$306.6MNet plan assets, end of year
$165,527Average balance per account
Score breakdown
- Employer generosity38.0 / 5076th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 43th |
| Employee saving | 65th |
| 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
- Fugro (USA) Holdings put in about $5,435 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.
- 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 | $6,380,127 |
| Participant (employee) contributions | $12,552,100 |
| Other contributions (incl. rollovers in) | $1,209,995 |
| Administrative expenses paid from the plan | $816,140 |
| Investment advisory & management fees | $212,346 |
| Benefits paid out | $31,360,039 |
| Net assets, start / end of year | $281.3M / $306.6M |
| Active participants, start / end of year | 1,154 / 1,194 |
| Participants with account balances | 1,852 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Robertson & Robertson PLLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $499,616 reported compensation |
| Prime Capital Investment Advisors L | $212,346 reported compensation |
| Robertson & Robertson, PLLC | $18,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013124502NAL0000608643001, received 2025-10-13, EIN 74-2155798, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.