Unified Women's Healthcare, LLC 401(k) Review & Grade
Unified Women's Healthcare, LLC 401(k) Profit Sharing Plan
Tampa, FLProfessional, Scientific & Technical Services745 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,219Employer $ per active participant
$6,414Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$48.8MNet plan assets, end of year
$52,798Average balance per account
Score breakdown
- Employer generosity26.2 / 5052th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 41th |
| Employee saving | 32th |
| Peers that auto-enroll | 48% |
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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Unified Women's Healthcare put in about $3,219 per active participant, more than the typical peer ($3,082). 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 | $2,398,411 |
| Participant (employee) contributions | $4,778,570 |
| Other contributions (incl. rollovers in) | $791,570 |
| Administrative expenses paid from the plan | $126,407 |
| Investment advisory & management fees | $18,500 |
| Benefits paid out | $4,471,721 |
| Net assets, start / end of year | $37.4M / $48.8M |
| Active participants, start / end of year | 740 / 750 |
| Participants with account balances | 925 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Williams Overman Pierce |
Largest service providers (Schedule C)
| MVP Plan Administrators, Inc | $98,056 reported compensation |
| Gordon Asset Management | $18,500 reported compensation |
| Charles Schwab Trust Bank | $10,061 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013111148NAL0000530323001, received 2025-10-13, EIN 26-3930592, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.