Marugame Udon USA LLC 401(k) Review & Grade
Marugame Udon USA LLC 401(k) Profit Sharing Plan & Trust
Los Angeles, CAWholesale Trade689 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$163Employer $ per active participant
$600Employee $ saved per active participant
0.84%Direct admin cost, % of plan assets
$1.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity1.7 / 503th percentile for employer $ per participant
- Low cost2.3 / 259th percentile for low admin cost vs. same-size plans
- Employee saving0.2 / 151th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score2 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 3th |
| Lower admin cost | 9th |
| Employee saving | 1th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Marugame Udon USA put in about $163 per active participant, below the typical peer ($1,792). Any match is still an instant return, so contribute enough to get all of it.
- 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 (0.84% of assets) are well above similar-size plans (0.23%). 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 | $112,580 |
| Participant (employee) contributions | $413,626 |
| Other contributions (incl. rollovers in) | $18,755 |
| Administrative expenses paid from the plan | $8,344 |
| Contract administrator fees | $4,604 |
| Investment advisory & management fees | $2,880 |
| Benefits paid out | $204,855 |
| Net assets, start / end of year | $761,523 / $1.2M |
| Active participants, start / end of year | 518 / 860 |
| Participants with account balances | 324 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas PC |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260304132851NAL0003172401001, received 2026-03-04, EIN 47-4960525, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.