U.S. Legal Support, Inc. 401(k) Review & Grade
US Legal Support, Inc. 401(k) Plan
Houston, TXProfessional, Scientific & Technical Services794 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$382Employer $ per active participant
$4,840Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$42.2MNet plan assets, end of year
$41,862Average balance per account
Score breakdown
- Employer generosity5.8 / 5012th percentile for employer $ per participant
- Low cost7.9 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving3.7 / 1525th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 12th |
| Lower admin cost | 32th |
| Employee saving | 25th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- U.S. Legal Support put in about $382 per active participant, below the typical peer ($3,082). 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 (0.39% 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.
- 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 | $303,015 |
| Participant (employee) contributions | $3,842,817 |
| Other contributions (incl. rollovers in) | $111,877 |
| Administrative expenses paid from the plan | $155,722 |
| Contract administrator fees | $64,836 |
| Benefits paid out | $5,352,291 |
| Net assets, start / end of year | $38.2M / $42.2M |
| Active participants, start / end of year | 781 / 807 |
| Participants with account balances | 1,009 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Melton & Melton, L.L.P. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $84,267 reported compensation |
| Lincoln National Corporation | $64,174 reported compensation |
| Equitable Advisors LLC | $33,508 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251229145239NAL0010281443001, received 2025-12-29, EIN 76-0523238, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.