Future US Inc 401(k) Review & Grade
Future US 401k Plan
New York, NYInformation712 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,206Employer $ per active participant
$6,405Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$65.7MNet plan assets, end of year
$82,479Average balance per account
Score breakdown
- Employer generosity10.8 / 5022th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 63th |
| Employee saving | 33th |
| Peers that auto-enroll | 59% |
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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
- Future US put in about $1,206 per active participant, below the typical peer ($2,829). 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.
- 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 | $857,867 |
| Participant (employee) contributions | $4,556,907 |
| Other contributions (incl. rollovers in) | $95,648 |
| Administrative expenses paid from the plan | $90,573 |
| Contract administrator fees | $30,147 |
| Investment advisory & management fees | $60,426 |
| Benefits paid out | $4,105,580 |
| Net assets, start / end of year | $54.9M / $65.7M |
| Active participants, start / end of year | 712 / 711 |
| Participants with account balances | 796 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Citrin Cooperman & Company LLP |
Largest service providers (Schedule C)
| Usi Advisors | $60,426 reported compensation |
| Usi Consulting Group | $30,147 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015085503NAL0002129891001, received 2025-10-15, EIN 22-3157975, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.