United Road Service, Inc. 401(k) Review & Grade
United Road Services, Inc. Employee's 401(k) Plan
Romulus, MITransportation & Warehousing1,206 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$712Employer $ per active participant
$3,331Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$51.3MNet plan assets, end of year
$39,288Average balance per account
Score breakdown
- Employer generosity18.8 / 5038th percentile for employer $ per participant
- Low cost8.4 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1554th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 34th |
| Employee saving | 54th |
| Peers that auto-enroll | 37% |
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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 Road Service put in about $712 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.
- Direct plan expenses (0.36% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $859,123 |
| Participant (employee) contributions | $4,018,954 |
| Other contributions (incl. rollovers in) | $191,626 |
| Administrative expenses paid from the plan | $189,779 |
| Investment advisory & management fees | $62,836 |
| Benefits paid out | $12,925,972 |
| Net assets, start / end of year | $52.7M / $51.3M |
| Active participants, start / end of year | 1,403 / 1,010 |
| Participants with account balances | 1,307 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Fenner Melstrom and Dooling PLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $126,943 reported compensation |
| Gregory J Schwartz & Company Inc | $62,836 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001154646NAL0016347744001, received 2025-10-01, EIN 94-3278455, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.