Department of Labor filing
Spot something wrong?WRAP-UPS, INC 401K PLAN
WRAP-UPS, INC. 401K PLAN · For the plan year ended Dec 31, 2025
Latest public filing 2025 · received Apr 27, 2026Current benefit source dated Dec 31, 2025
At a glance
The details employees usually care about
Bottom line: The employer match is competitive. Vesting is not confirmed yet. Reported employer money is near the middle of its peer group.
69Benefit score
from reviewed terms
from reviewed terms
59Plan health
from public filings
from public filings
5/7Key terms
we could verify
we could verify
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
See what drives the benefit quality score
This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.
UPS matches 50% of employee contributions up to 6% of eligible pay—a maximum match equal to 3% of pay.
Check the source ↓Assumes you contribute enough to earn the full match (6% of pay). Eligibility and annual limits can change the amount.
Automatically enrolled employees default into an age-appropriate target-date fund unless they choose another investment.
The plan generally covers eligible U.S.
New eligible employees are automatically enrolled within 90 days at 3% of pay.
Available. Employees may make pre-tax and Roth contributions.
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0% · loans 0.1% of assets
How this is calculated →Still checking: vesting, employee fees
These details may be in documents available only to employees. We leave them blank until we find a dated source.
What to check first: the match, vesting, waiting period and fees. Use the filing history to see how the plan has changed over time.
One limitation: public filings do not show your personal investment returns. A blank means we could not verify the answer; it does not count against the plan. Source documents for the current terms are linked below.
Personalized estimate
What could WRAP-UPS, INC 401K PLAN's contribution mean for you?
This uses the reviewed employer formula shown on this profile—not the plan-wide Form 5500 contribution average.
Estimated employer money$2,550/year
- Your annual contribution
- $5,100
- Possible maximum
- $2,550
- Potentially unclaimed
- $0
Contributing about 6% of eligible pay captures the documented maximum under this simplified estimate.
Estimate only. Compensation limits, eligibility, true-ups, contribution timing, employee groups, and plan amendments can change the result. Confirm the current formula in your plan documents.
Filing comparison · 2025—There is not enough comparable filing data to calculate this yet.
How this filing compares
Reported employer contributions32nd percentileTypical peer $1,625 · based on 6,071 comparable plans
Lower reported administrative expenseNot enough dataTypical peer $112 · based on 5,774 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. Limitations: administrative_cost_measure_unavailable_or_zero
The short version
What employees should know
For the year ended Dec 31, 2025, WRAP-UPS, INC 401K PLAN reported $13,636 in employer contributions across this plan, or $974 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
A fair peer score is not available yet.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $13,636 $974 per active participant
- Participant contributions
- $54,596
- Other contributions
- Not reported Amounts not classified as employer or participant contributions
- Employer share of contributions
- 20.0%
- Active participants
- 14 Small plan
- Total participants
- 20 24 at the beginning of the year
- Ending assets
- $4,135,113 $206,756 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $3,618,607
- Ending net assets
- $4,135,113
- Beginning liabilities
- Not reported
- Ending liabilities
- Not reported
- Total income
- $588,537
- Total expenses
- $72,031
- Administrative expenses
- Not reported Not reported per active participant
- Participant loans
- $2,261 0.1% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
$974
2025
Not reported
2025
14
2025
$4,135,113
2025
0.1%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $974 | 14 | 4.1M |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- 0.1%
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 431188032-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 1986
- Industry
- Industry group 32
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2K2S2T3D
Verified plan terms
What dated primary sources say
Only details supported by the reviewed source appear here. We do not turn missing information into an answer.
- Employer contribution
- UPS matches 50% of employee contributions up to 6% of eligible pay—a maximum match equal to 3% of pay. Eligible nonunion employees may also receive an annual retirement contribution of 3% to 8% of pay; employees hired or rehired in 2025 generally receive 3%.
- Eligibility
- The plan generally covers eligible U.S. employees who are not represented by a union and are not in another UPS-sponsored savings plan. Beginning in 2025, employees generally must remain employed on the applicable period-end date to receive employer contributions.
- Investment information
- Automatically enrolled employees default into an age-appropriate target-date fund unless they choose another investment.
- Automatic enrollment
- New eligible employees are automatically enrolled within 90 days at 3% of pay. The rate rises by 1 percentage point each year up to 15% unless changed.
- Roth contributions
- Available. Employees may make pre-tax and Roth contributions.
Still checking 2 details
vesting, participant fees. These items stay out of the main grid until we find a dated source.
Source: UPS 401(k) Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260427200546NAL0009004913001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗