Unigroup C.a. 401(k) Review & Grade
Unigroup, C.a. Resources for Employees' Leisure Years Plan
Fenton, MOTransportation & Warehousing574 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,018Employer $ per active participant
$6,120Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$119.2MNet plan assets, end of year
$163,525Average balance per account
Score breakdown
- Employer generosity36.1 / 5072th percentile for employer $ per participant
- Low cost24.4 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 98th |
| Employee saving | 82th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $43,922 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Unigroup C.a. put in about $2,018 per active participant, more than the typical peer ($1,070). 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.
- 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 | $1,159,214 |
| Participant (employee) contributions | $3,516,177 |
| Other contributions (incl. rollovers in) | $189,387 |
| Administrative expenses paid from the plan | $12,681 |
| Investment advisory & management fees | $27,782 |
| Benefits paid out | $16,289,217 |
| Net assets, start / end of year | $113.8M / $119.2M |
| Active participants, start / end of year | 589 / 560 |
| Participants with account balances | 729 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Armanino,llp |
Largest service providers (Schedule C)
| Honkamp, P.C. | $28,382 reported compensation |
| Strategic Advisors, Inc. | $27,782 reported compensation |
| Fidelity Investments Institutional | −$43,425 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002083153NAL0000348496001, received 2025-10-02, EIN 43-0561790, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.