United Migrant Opportunity Services Umos, Inc. 401(k) Review & Grade
United Migrant Opportunity Services / Umos, Inc. 401(k) and Retirement Plan
Milwaukee, WIOther Services910 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,671Employer $ per active participant
$746Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$18.2MNet plan assets, end of year
$16,368Average balance per account
Score breakdown
- Employer generosity31.2 / 5062th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving2.8 / 1519th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 87th |
| Employee saving | 19th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($56,911 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- United Migrant Opportunity Services Umos put in about $1,671 per active participant, more than the typical peer ($1,257). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,520,690 |
| Participant (employee) contributions | $679,290 |
| Other contributions (incl. rollovers in) | $10,143 |
| Administrative expenses paid from the plan | $8,906 |
| Benefits paid out | $2,173,582 |
| Net assets, start / end of year | $16.1M / $18.2M |
| Active participants, start / end of year | 926 / 894 |
| Participants with account balances | 1,113 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wegner CPA |
Largest service providers (Schedule C)
| Alerus Financial, N.A. | $5,242 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917094730NAL0000256769001, received 2025-09-17, EIN 39-1047172, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.