Ust Global Inc 401(k) Review & Grade
Ust Global Inc 401(k) Plan
Aliso Viejo, CAProfessional, Scientific & Technical Services3,754 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,841Employer $ per active participant
$7,888Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$169.6MNet plan assets, end of year
$36,838Average balance per account
Score breakdown
- Employer generosity16.3 / 5033th percentile for employer $ per participant
- Low cost4.6 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 19th |
| Employee saving | 43th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $44,923 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ust Global put in about $1,841 per active participant, below the typical peer ($2,951). 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 (0.35% 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.
- 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 | $6,911,884 |
| Participant (employee) contributions | $29,607,150 |
| Other contributions (incl. rollovers in) | $4,796,454 |
| Administrative expenses paid from the plan | $530,959 |
| Contract administrator fees | $396,226 |
| Investment advisory & management fees | $134,733 |
| Benefits paid out | $23,189,099 |
| Net assets, start / end of year | $130.6M / $169.6M |
| Active participants, start / end of year | 3,794 / 3,713 |
| Participants with account balances | 4,604 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Stephens, Reidinger & Beller LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $396,226 reported compensation |
| Morgan Stanley Global Ba | $134,733 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015160552NAL0010203170001, received 2025-10-15, EIN 26-1539797, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.