United States Cold Storage, Inc. 401(k) Review & Grade
Uscs 401(k) Plan
Camden, NJTransportation & Warehousing3,658 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,944Employer $ per active participant
$3,038Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$167.9MNet plan assets, end of year
$39,860Average balance per account
Score breakdown
- Employer generosity34.8 / 5070th percentile for employer $ per participant
- Low cost8.9 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 36th |
| Employee saving | 36th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($301 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- United States Cold Storage put in about $2,944 per active participant, more than the typical peer ($1,834). 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.
- Direct plan expenses (0.19% of assets) are well above similar-size plans (0.12%). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $10,766,633 |
| Participant (employee) contributions | $11,109,723 |
| Other contributions (incl. rollovers in) | $1,463,716 |
| Administrative expenses paid from the plan | $298,130 |
| Investment advisory & management fees | $36,512 |
| Benefits paid out | $12,751,633 |
| Net assets, start / end of year | $138.6M / $167.9M |
| Active participants, start / end of year | 3,600 / 3,715 |
| Participants with account balances | 4,213 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $261,962 reported compensation |
| Strategic Advisors, Inc. | $36,511 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008085701NAL0002875027001, received 2025-10-08, EIN 11-1618557, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.