United Planning Organization 401(k) Review & Grade
Retirement Income Plan of United Planning Organization
Washington, DCHealth Care & Social Assistance628 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,584Employer $ per active participant
$1,305Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$21.7MNet plan assets, end of year
$30,711Average balance per account
Score breakdown
- Employer generosity39.1 / 5078th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving4.4 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 37th |
| Employee saving | 29th |
| Peers that auto-enroll | 36% |
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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
- United Planning Organization put in about $2,584 per active participant, more than the typical peer ($976). 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 | $1,622,850 |
| Participant (employee) contributions | $819,838 |
| Other contributions (incl. rollovers in) | $39,654 |
| Administrative expenses paid from the plan | $67,403 |
| Contract administrator fees | $60,573 |
| Investment advisory & management fees | $4,238 |
| Other admin expenses | $2,592 |
| Benefits paid out | $1,897,086 |
| Net assets, start / end of year | $19.2M / $21.7M |
| Active participants, start / end of year | 643 / 613 |
| Participants with account balances | 706 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | SB & Company LLC |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $67,403 reported compensation |
| Gallagher Benefit Services Inc | $35,489 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715154028NAL0002383571001, received 2026-07-15, EIN 52-0788987, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.