Udr, Inc. and Its Affiliated Companies 401(k) Review & Grade
Udr, Inc. 401(k) Plan
Highlands Ranch, COReal Estate & Rental1,296 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,764Employer $ per active participant
$5,479Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$114.0MNet plan assets, end of year
$84,056Average balance per account
Score breakdown
- Employer generosity32.4 / 5065th percentile for employer $ per participant
- Low cost16.6 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 66th |
| Employee saving | 72th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Udr, Inc. and Its Affiliated Companies put in about $1,764 per active participant, more than the typical peer ($1,279). 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 | $2,287,505 |
| Participant (employee) contributions | $7,104,028 |
| Other contributions (incl. rollovers in) | $613,360 |
| Administrative expenses paid from the plan | $140,781 |
| Investment advisory & management fees | $10,944 |
| Benefits paid out | $8,759,863 |
| Net assets, start / end of year | $96.2M / $114.0M |
| Active participants, start / end of year | 1,226 / 1,367 |
| Participants with account balances | 1,356 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $129,837 reported compensation |
| Cook Street Consulting Inc. | $10,944 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013141046NAL0001393729001, received 2025-10-13, EIN 54-0857512, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.