Universal Services of America, LP 401(k) Review & Grade
Allied Universal Cbu 401(k) Plan
Irvine, CAAdministrative, Support & Staffing Services3,143 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$636Employer $ per active participant
$464Employee $ saved per active participant
1.79%Direct admin cost, % of plan assets
$18.9MNet plan assets, end of year
$1,700Average balance per account
Score breakdown
- Employer generosity30.6 / 5061th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 1th |
| Employee saving | 27th |
| Peers that auto-enroll | 22% |
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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
- Universal Services of America, LP put in about $636 per active participant, more than the typical peer ($342). 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 (1.79% 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.
- 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 | $1,998,538 |
| Participant (employee) contributions | $1,457,652 |
| Other contributions (incl. rollovers in) | $6,477 |
| Administrative expenses paid from the plan | $319,514 |
| Investment advisory & management fees | $43,428 |
| Benefits paid out | $2,845,815 |
| Net assets, start / end of year | $16.8M / $18.9M |
| Active participants, start / end of year | 3,255 / 3,031 |
| Participants with account balances | 11,115 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withumsmith+brown PC |
Largest service providers (Schedule C)
| Transamerica Life Insurance Company | $259,966 reported compensation |
| Sageview Advisory Group | $43,428 reported compensation |
| Withumsmith+brown PC | $16,120 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009230730NAL0003901379001, received 2025-10-10, EIN 27-1562945, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.