United Seating and Mobility, LLC 401(k) Review & Grade
Numotion 401(k) Retirement Plan
Rocky Hill, CTRetail Trade2,930 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,308Employer $ per active participant
$4,287Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$149.5MNet plan assets, end of year
$43,162Average balance per account
Score breakdown
- Employer generosity37.6 / 5075th percentile for employer $ per participant
- Low cost4.0 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 16th |
| Employee saving | 81th |
| Peers that auto-enroll | 42% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($24,740 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $126,732 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- United Seating and Mobility put in about $1,308 per active participant, more than the typical peer ($650). 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.
- Direct plan expenses (0.41% 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,831,979 |
| Participant (employee) contributions | $12,558,547 |
| Other contributions (incl. rollovers in) | $1,933,232 |
| Administrative expenses paid from the plan | $567,868 |
| Investment advisory & management fees | $118,046 |
| Benefits paid out | $12,424,874 |
| Net assets, start / end of year | $126.1M / $149.5M |
| Active participants, start / end of year | 2,907 / 2,952 |
| Participants with account balances | 3,464 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $429,822 reported compensation |
| Empower Advisory Group, LLC | $70,046 reported compensation |
| Gallagher Benefit Services Inc DBA | $48,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919084356NAL0002303297001, received 2025-09-19, EIN 43-1922598, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.