United Parcel Service of America, Inc. 401(k) Review & Grade
UPS 401(k) Savings Plan
Atlanta, GATransportation & Warehousing89,670 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,916Employer $ per active participant
$5,217Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$14.2BNet plan assets, end of year
$113,571Average balance per account
Score breakdown
- Employer generosity45.6 / 5091th percentile for employer $ per participant
- Low cost12.9 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving10.0 / 1567th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 10,000+ active participants (46 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 52th |
| Employee saving | 67th |
| Peers that auto-enroll | 30% |
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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
- United Parcel Service of America put in about $6,916 per active participant, more than the typical peer ($1,415). 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.
- 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 | $620,200,841 |
| Participant (employee) contributions | $467,855,034 |
| Other contributions (incl. rollovers in) | $6,813,259 |
| Administrative expenses paid from the plan | $11,304,215 |
| Investment advisory & management fees | $8,190,751 |
| Benefits paid out | $1,290,636,915 |
| Net assets, start / end of year | $13.1B / $14.2B |
| Active participants, start / end of year | 95,250 / 84,091 |
| Participants with account balances | 124,928 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche, LLP |
| Employer stock held by plan | $1,449,945,391 |
Largest service providers (Schedule C)
| Voya | $6,913,396 reported compensation |
| The Bank of New York Mellon | $3,002,414 reported compensation |
| Voya | $2,790,648 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015115659NAL0004465985003, received 2025-10-15, EIN 95-1732075, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.