Un1f1ed2 Global Packaging Group 401(k) Review & Grade
Un1f1ed2 Global Packaging Group 401(k) Profit Sharing Plan and Trust
Sutton, MATransportation & Warehousing956 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,001Employer $ per active participant
$2,430Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$38.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity23.9 / 5048th percentile for employer $ per participant
- Low cost22.6 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 91th |
| Employee saving | 39th |
| Peers that auto-enroll | 37% |
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
- Un1f1ed2 Global Packaging Group put in about $1,001 per active participant, below the typical peer ($1,070). 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 | $956,598 |
| Participant (employee) contributions | $2,323,268 |
| Other contributions (incl. rollovers in) | $462,684 |
| Administrative expenses paid from the plan | $13,675 |
| Contract administrator fees | $11,125 |
| Other admin expenses | $2,550 |
| Benefits paid out | $1,679,341 |
| Net assets, start / end of year | $32.3M / $38.7M |
| Active participants, start / end of year | 881 / 1,031 |
| Participants with account balances | 470 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen, LLP |
Largest service providers (Schedule C)
| Commonwealth Equity Services | $57,392 reported compensation |
| Voya Retirement Insurance & Annuity | $14,168 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010105724NAL0007555873001, received 2025-10-10, EIN 84-4786426, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.