Nri USA, LLC 401(k) Review & Grade
Nri USA, LLC 401(k) Plan
Los Angeles, CATransportation & Warehousing676 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$206Employer $ per active participant
$540Employee $ saved per active participant
1.36%Direct admin cost, % of plan assets
$1.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.4 / 5011th percentile for employer $ per participant
- Low cost0.8 / 253th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score7 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 3th |
| Employee saving | 6th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $61,111 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Nri USA put in about $206 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 (1.36% 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.
- 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 | $138,823 |
| Participant (employee) contributions | $364,640 |
| Other contributions (incl. rollovers in) | $58,719 |
| Administrative expenses paid from the plan | $20,729 |
| Contract administrator fees | $20,729 |
| Benefits paid out | $168,565 |
| Net assets, start / end of year | $1.3M / $1.8M |
| Active participants, start / end of year | 697 / 654 |
| Participants with account balances | 135 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wright Ford Young & Co. |
Largest service providers (Schedule C)
| PCS Retirement, LLC | $20,925 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260122115202NAL0006145744001, received 2026-01-22, EIN 45-3981962, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.