Urschel Laboratories, Inc. 401(k) Review & Grade
Urschel Laboratories, Inc. 401(k) Savings Plan and Trust
Chesterton, INManufacturing510 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,405Employer $ per active participant
$8,814Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$124.4MNet plan assets, end of year
$226,209Average balance per account
Score breakdown
- Employer generosity13.9 / 5028th percentile for employer $ per participant
- Low cost14.2 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 57th |
| Employee saving | 85th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $103,391 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Urschel Laboratories put in about $1,405 per active participant, below the typical peer ($2,320). 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 | $716,572 |
| Participant (employee) contributions | $4,495,120 |
| Other contributions (incl. rollovers in) | $1,327,006 |
| Administrative expenses paid from the plan | $234,089 |
| Investment advisory & management fees | $114,407 |
| Other admin expenses | $300 |
| Benefits paid out | $27,841,578 |
| Net assets, start / end of year | $129.2M / $124.4M |
| Active participants, start / end of year | 508 / 512 |
| Participants with account balances | 550 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $119,382 reported compensation |
| Fiducient Advisors LLC | $79,236 reported compensation |
| Empower Advisory Group, LLC | $35,171 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013091245NAL0000405811001, received 2025-10-13, EIN 35-0726105, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.