Uline, Inc. 401(k) Review & Grade
Uline, Inc. Profit Sharing Plan and Trust
Pleasant Prairie, WIWholesale Trade8,397 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,050Employer $ per active participant
$7,224Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$968.3MNet plan assets, end of year
$100,060Average balance per account
Score breakdown
- Employer generosity42.2 / 5084th percentile for employer $ per participant
- Low cost18.2 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 73th |
| Employee saving | 81th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,320 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Uline put in about $5,050 per active participant, more than the typical peer ($2,459). 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 | $42,401,030 |
| Participant (employee) contributions | $60,660,995 |
| Other contributions (incl. rollovers in) | $9,935,274 |
| Administrative expenses paid from the plan | $526,689 |
| Contract administrator fees | $526,689 |
| Benefits paid out | $45,662,574 |
| Net assets, start / end of year | $770.8M / $968.3M |
| Active participants, start / end of year | 8,285 / 8,509 |
| Participants with account balances | 9,677 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly, US LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $526,688 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250809090356NAL0007498192001, received 2025-08-09, EIN 36-3684738, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.