US Committee for Refugees and Immigrants 401(k) Review & Grade
Safe-Harbor 401(k) Profit Sharing Plan for U.S. Committee for Refugees and Immigrants, Inc.
Arlington, VAOther Services598 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,888Employer $ per active participant
$2,626Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$29.7MNet plan assets, end of year
$25,326Average balance per account
Score breakdown
- Employer generosity47.3 / 5095th percentile for employer $ per participant
- Low cost20.7 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 83th |
| Employee saving | 51th |
| Peers that auto-enroll | 40% |
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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
- US Committee for Refugees and Immigrants put in about $6,888 per active participant, more than the typical peer ($1,257). 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 | $4,122,695 |
| Participant (employee) contributions | $1,571,878 |
| Other contributions (incl. rollovers in) | $1,314,141 |
| Administrative expenses paid from the plan | $16,965 |
| Other admin expenses | $16,965 |
| Benefits paid out | $1,902,696 |
| Net assets, start / end of year | $21.5M / $29.7M |
| Active participants, start / end of year | 431 / 766 |
| Participants with account balances | 1,173 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Mutual of America Life Insurance Co | $16,965 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250806145151NAL0002969475001, received 2025-08-06, EIN 13-1878704, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.