United Airlines, Inc. 401(k) Review & Grade
Continental Micronesia, Inc. 401(k) Savings Plan
Chicago, ILTransportation & Warehousing1,160 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,550Employer $ per active participant
$5,185Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$194.0MNet plan assets, end of year
$144,443Average balance per account
Score breakdown
- Employer generosity31.3 / 5063th percentile for employer $ per participant
- Low cost23.3 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving11.4 / 1576th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 93th |
| Employee saving | 76th |
| Peers that auto-enroll | 37% |
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
- United Airlines put in about $1,550 per active participant, more than the typical peer ($1,070). 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 | $1,797,237 |
| Participant (employee) contributions | $6,012,032 |
| Other contributions (incl. rollovers in) | $144,406 |
| Administrative expenses paid from the plan | $54,435 |
| Contract administrator fees | $54,435 |
| Benefits paid out | $7,465,757 |
| Net assets, start / end of year | $174.4M / $194.0M |
| Active participants, start / end of year | 1,300 / 1,019 |
| Participants with account balances | 1,343 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mitchell & Titus, LLP |
Largest service providers (Schedule C)
| Asc Trust, LLC | $54,435 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251012180947NAL0000858976001, received 2025-10-12, EIN 74-2099724, plan #205, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
Other 401(k) plans filed under this employer's EIN
AUnited Airlines Flight Attendant 401(k) PlanAUnited Airlines Pilot Retirement Account PlanBUnited Airlines 401(k) Savings Plan
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