Ucor LLC 401(k) Review & Grade
United Cleanup Oak Ridge Retirement Savings Plan
Oak Ridge, TNAdministrative, Support & Staffing Services1,220 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$10,159Employer $ per active participant
$11,187Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$217.4MNet plan assets, end of year
$141,057Average balance per account
Score breakdown
- Employer generosity49.9 / 50100th percentile for employer $ per participant
- Low cost24.2 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score99 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 97th |
| Employee saving | 97th |
| Peers that auto-enroll | 27% |
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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
- Ucor put in about $10,159 per active participant, more than the typical peer ($712). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $12,388,688 |
| Participant (employee) contributions | $13,642,904 |
| Other contributions (incl. rollovers in) | $4,553,258 |
| Administrative expenses paid from the plan | $27,253 |
| Contract administrator fees | $300 |
| Benefits paid out | $21,044,860 |
| Net assets, start / end of year | $182.7M / $217.4M |
| Active participants, start / end of year | 1,171 / 1,268 |
| Participants with account balances | 1,541 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mcconnell & Jones LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $27,253 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250903075922NAL0015176513001, received 2025-09-03, EIN 85-2867528, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.