U.S. Retirement Partners, Inc. 401(k) Review & Grade
U. S. Retirement Partners 401(k) Plan
Iselin, NJFinance & Insurance796 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,482Employer $ per active participant
$5,289Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$85.1MNet plan assets, end of year
$95,029Average balance per account
Score breakdown
- Employer generosity14.8 / 5030th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 98th |
| Employee saving | 27th |
| Peers that auto-enroll | 62% |
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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
- U.S. Retirement Partners put in about $2,482 per active participant, below the typical peer ($3,606). 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.
- 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 | $1,976,646 |
| Participant (employee) contributions | $4,212,368 |
| Other contributions (incl. rollovers in) | $889,069 |
| Administrative expenses paid from the plan | $5,097 |
| Contract administrator fees | $5,097 |
| Benefits paid out | $6,558,647 |
| Net assets, start / end of year | $58.1M / $85.1M |
| Active participants, start / end of year | 792 / 801 |
| Participants with account balances | 895 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| The Retirement Plan Company | $12,779 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015114102NAL0002342435001, received 2025-10-15, EIN 26-0829701, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.